This is an exciting time in banking and technology. Breakthroughs like those discussed at the last Retail Delivery conference by Bill Gates of Microsoft Corp. and Lew Platt of Hewlett-Packard Co. painted a vivid picture of what can be. But as you will hear frequently, the real name of the game in banking today is profitable revenue growth. So the important focus is on how technology serves that goal.

Bank executives around the world are all challenged with aggressive growth plans-12%, 15%, 18%, 20% a year. It is in that ambitious context that bankers have invested so heavily in information and technology.

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