Esther Dyson is a grand dame of high technology. In between her frequent trips abroad, primarily to Eastern Europe, she serves as president of EDventure Holdings, an emerging technology concern; publishes Release 1.0, a monthly trade bible for the software business; and chairs the Electronic Frontier Foundation. American Banker reporter Karen Epper recently visited Ms. Dyson's midtown New York office to hear her views on privacy, security, and how to bring traditional business strengths to bear on an unconventional market.

Many people say banking is boring, but financial services are a common thread in many companies' interactive service strategies. Could on-line banking become the "killer app" everyone is searching for?

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