Kenneth W. Long, a pioneer in putting personal computers to work inside banks, has some advice for Microsoft's Bill Gates and other cyber- visionaries constantly hyping new technologies to the industry: Sometimes you have to just say no.

"I have survived in this business by providing business solutions, and that sometimes means making decisions that don't always please my software developers," said Mr. Long, chief executive of Protocorp International, a Monroe, N.C., firm specializing in imaging systems and data archival software. "Technology can be awe-inspiring, but you better be careful you don't end up building products that nobody can afford."

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