Consumer bankers are depending more than ever on technology to help them survive a brutally competitive business climate, but many are still unsure how their systems investments affect their institutions' profitability, according to soon-to-be published research.

The study, commissioned by the American Banker and Andersen Consulting, is scheduled for publication in November. It is based on responses to a questionnaire returned earlier this year from 53 of the nation's top 150 banks.

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