In this issue, we're pleased to present findings from the American Banker/Tower Group 1995 Survey of Technology in Banking.

Taken together, the results paint a picture that is sometimes at odds with the image projected by the most visible, technology-savvy banks. Industrywide spending on technology continues to increase, for example, but the bulk of the dollars continue to support older mainframe-based systems. Despite the hype about banking in cyberspace, nearly half the industry said it had no plans to offer Internet access. And while imaging systems are increasingly common in banks, the volume of paper - checks and all manner of documents - continues to grow as well.

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