To the folks running Integrion Financial Network (IFN), the Philadelphia-based bank information technology consortium, a trip to the amusement park would be redundant. After all, how do you top a 48-month roller coaster ride that makes Coney Island's old Cyclone look like a merry-go-round?

Launched in 1996 by 17 banks, IBM Corp., and Visa USA, Integrion provides interactive home banking and electronic-commerce services to financial institutions. Through its Interactive Financial Services (IFS) platform, Integrion gives financial services firms a network through which electronic transactions flow from multiple consumer access points to a bank's host system or processor. Technology partnerships with IBM and CheckFree Corp. give the consortium additional options-like access to IBM's financial services applications and to CheckFree's Genesis proprietary bill payment and processing system-in the types of online banking applications it can provide for its clients.

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