The mainframe computer, whether operated in-house or by an outsource vendor, and all of today's personal computer applications are widely considered to be the heart of a bank.

Deposit and loan products are delivered by automated systems. Computer track how well the bank is doing. A variety of special needs in departments such as marketing and human resources are satisfied by mainframe and PC technology. Automated teller machines, the automated clearing house, and point of sale systems have added a new dimension to the delivery of banking services. Recently, imaging, home banking, and automated voice response are getting attention, and all these forms of automation clearly will become more important in the future.

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