This magazine is a pretty good metaphor for the immediate future of banking. It's still printed on paper and distributed through traditional channels as an adjunct to the leading daily in the field. Nevertheless, it is composed on computers and its cutting edge graphical design positively glows. It's a safe bet that an on-line version is well advanced, perhaps even being beta-tested as you read this.

Banking is equally schizophrenic. A rush is on to gingerly embrace the latest technology. Smart cards, home pages and digital commerce are phrases more and more commonly being bandied around boardrooms by intensely worried executives who quietly ask their assistants to turn on their computers and print out their e-mail each morning.

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