It takes a subtle shift in perception to appreciate the formula for high-tech automated teller machine success at Bay Banks Inc. of Boston. Don't focus on the ATM, say Bay Banks executives. Focus on the card.

"The ATM is just one medium for conveying services. The card is the way you access the banking - and nonbanking - services," said Lindsey C. Lawrence, president of BayBanks Systems Inc., the technology arm of the $10 billion-asset bank holding company.

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