Cover Story: Secrets For Sale p.38 Big Brother of the 21st century will not be a totalitarian governing body, rather it will be made up of individuals and corporations with the resources to collect or purchase consumer information. And the Internet will suit its purpose because no where will information be more readily available than a medium that can track a consumer's every move. Letters p.8 It's All in the Eyes;Tech Takes Center Stage Commentary p.11 Profile of a Merger: The Wells-First Interstate Saga Banks are watching closely as Wells struggles to recover. News Analysis p.12 ATM Surcharging: Business As Usual? Surcharging may be accepted, but is it smart marketing? p.12 Will the Fed Alter its Retail Position? Rivlin suggests that little will change. p.12 Grapevine, Money Matters p.13 Microsoft-First Data Venture: Good for Banks? The new launch could mean more "tolls" for banks. p.13 Top 10 Deals of the Month p.14 IT Study Says Shorter Planning Cycles Needed Tower Group/SIA study of securities firms' IT spending. p.14 Frontiers Between the Lines p.16 Stalled CEO Search at Andersen Ex-BT exec rises from ashes; RBofC looks south of the border for a new CIO p.16 Who's News Lee Roberts of FileNet Book Review p.18 Era of Global Biz is Good for Money Laundering The New War by Senator John Kerry. Future Money p.21 Phony Banks Multiply on the Internet As Internet commerce takes off so does Internet fraud. p.21 FSTC Banks Collaborate Specifications for secure commerce server on the way. p.22 Check Cashers Hold On Will banks hot wire the check cashing market? p.22 One-Step Payments Banks can accept payments in one step over the Internet. p.24 CLS Bank Taking Shape G-20 to include G-40 in the formation of continuous linked settlement bank. Direct Banking p.26 Internet-TV: Banking's Next Channel Sites for TV viewing differ from PC design. p.26 Bankers as Insurers? Banks can get into insurance sales on the Net. Retail Banking p.28 The Next Wave: Internet Brokerage Broker-dealer pulls banks into Web stock sales. p.28 Saving Face at the ATM Mr.Payroll delivers a biometric payroll kiosk. p.29 Scoring Can Promote Adverse Selection Fed says scoring gives advantages to underwriters. p.30 Controlling Growing Application Fraud First Union and First Data adopt HNC's Falcon Sentry. p.30 OCC Says Credit Scoring Is Not a Panacea Banks need to check and update their models. p.31 Tellers as Sellers: Can Tech Boost Profitability? Southern bank invests in client/server system. Small Business p.34 USF&G Uses the Internet to Target Customers On-line way to sell to specific customer segments. p.34 As Small Businesses Grow, Banks Diversify First Union, Amex use technology to sell more product. Corporate Banking p.36 Cracking the Opaque Chinese Market U.S. banks need friends to gain influence. p.36 Postal Service Evaluates Its Bank Relationships Banks that offer good technology solutions will stay on. p.36 Finance Innovation p.37 Expensive Lessons from Past Can Be Helpful Today Banks can learn from commercial real estate pros. p.37 Information Superstore: One Stop Tech Shop Banks can work with Informix to develop holistic solutions. Features p.42 Culture Shock Wells Fargo evangelized emerging technology. First Interstate prided itself on people. Inside an enormous clash of cultures. p.46 How Will U.S. Delivery Channels Pay Out? Excerpts: A Tower Group study says PC banking and e-bill pay will grow steadily. Profile p.50 Edward Boykin, Stephen Racioppo and Peter Miller The Pinnacle Alliance is 14 months old and is exceeding expectations. Could this team be the wave of the future? Op Ed p.52 Banks: You Can't Lose if You Watch the Ball. Nicolas P. Retsinas, director, Office of Thrift Supervision. p.52 Industry Exchange Does investment in IT contribute more to profitability or strategic competitive advantage? p.56 Why Banks Should Care About the Crypto Wars in Washington Thomas Crocker, esquire, Alston & Bird LLP New Products p.30 Computer Listens, Talks Back Natural Language Assistant vows to cut call center costs. p.37 Excel, Trading Apps Integrated FinEx, by Infinity Financial Technology, can aid traders. Case Study p.33 Sanwa Bank Tackles the Year 2000 Problem Dedicating $20 million to squash the "millennium bug."

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