The year 1995 will always be remembered as the time when bankers awoke to the true impact of the digital age.

Like a wildfire, talk of technology has swept across the banking industry: CEOs are now tinkering in their offices with the new personal computers; banks and software companies are hammering out aggressive home banking alliances; institutions large and small are constructing Web pages on the Internet; and bank sales forces are hitting the streets with laptop computers.

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