At its unveiling last March, the Sun Microsystems computer language named Java was thought to be a curiosity. Its creator, James Gosling, was quoted as saying that he didn't really know what might become of it.

But by May, The New York Times wrote that by using Java, programmers could "... leapfrog the walls that now keep many computers from interacting easily with each other." Now, this "curiosity" is changing the way banks will deliver information to their customers.

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