If 1997 is the year that Internet banking truly comes of age-as many bankers predict-then Paul D. Fiore's story may stand for the era.

President and chief executive officer of Digital Insight, a start-up company that puts banks and credit unions up on the Internet, Mr. Fiore has been working around the clock. He and his partner, Daniel Jacoby, routinely brainstorm in the office until midnight, which is the only way to get quiet time after the daylong jangle of telephones.

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