No other person has the potential to galvanize the banking industry as Ed Horowitz does. With just nine months' tenure as Citicorp's evp of advanced development, Horowitz has brought forth a compelling vision of the future of financial services, a future where the long arm of technology wraps itself around the globe and electrifies the bank's assets.

And if anyone can realize that vision, Horowitz can, say industry analysts. Recruited away from Viacom,where he was svp of technology and chairman of Viacom Interactive Media, the Citi evp has spent the past 27 years exploring and harnessing technology's reach. A pioneer in satellite broadcasting for Home Box Office, Horowitz took the company from a regional cable service in 1974 and enabled it to become the global entertainment network it is today.

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