Few international-banking and payment-services executives question the link between technology and profitability, but there is less agreement on where the next advances will be found, according to a survey by the Swift organization.

In the survey, conducted in October during the global banking network's "Sibos '94" conference in Boston, 30% of more than 300 respondents said the back office would be "extremely important, to their organizations' performance over the next five years.

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