Ronald A. Braco is intent on pushing Chemical Bank into card technology's 21st century, even if he has to do it singe-handedly.

But it doesn't seem likely to come to that. After almost 20 years in consumer banking, operations, credit cards, and electronic banking - and thanks to his involvement in Chemical's development project with AT&T Smart Cards-Mr. Braco is gaining stature and responsibility inside and outside the bank.

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