SAN DIEGO - In their latest joint appearance before a card industry conference, the presidents of MasterCard and Visa last week added some notes of hard reality to their often-expressed optimism regarding new technologies.

Providing the grand finale of Faulkner & Gray's credit card forum in San Diego, H. Eugene Lockhart of MasterCard International and Edmund P. Jensen of Visa International outlined how they see home banking, on-line services, and chip cards emerging, but each executive's outlook was grounded in current issues.

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