Developing the technology for home banking services may have been the easy part The challenge lies now in convincing consumers to use it.

With technology now largely a non-issue in the slow evolution of home banking, it's time for the marketing department to take over. "The biggest hurdle in marketing these services is making it clear what they are and how to use them," says Cynthia Montgomery, marketing vice president in the customer access group at NationsBank Corp.

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