AFTER YEARS of hefty spending on technology, Chase Manhattan Corp. is trying to foster a culture that considers every technology investment an opportunity either to increase revenues or cut costs. The man charged with instilling that culture is Craig Goldman.

It's no small job. As head of technology for Chase, Mr. Goldman oversees one of the biggest computer budgets in the banking industry. Chase, the nation's sixth-largest bank, spent a whopping $700 million worldwide last year on computer systems and staff, according to industry estimates.

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