The profound influence of technology on society has given way to consumers who are accustomed to having everything literally at their disposal. In the financial services world, where technology is spitting out new market opportunities faster than First Union CEO Edward Crutchfield can acquire banks, consumers and financial services companies-each wedded to technology-are perfectly suited, or so it seems.

Not quite, says Hewlett-Packard general manager Mario Fontana, who argues that financial institutions are not responding to what he feels is a looming sea change in consumer behavior. "We're living in a society where people have everything, and, therefore, consume everything they don't really need," he says. "They want options."

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