Retail bankers are putting their money where their mouth is in using technology to enhance customer relationships, but the long-held promise of home banking may take a while to be fulfilled, according to a recent study.

The study, sponsored by the American Banker and Andersen Consulting, is based on a survey of 53 of the country's 150 top banks. The survey was sent out earlier this year, and the findings will be made public in November.

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