Not too long ago, Web-based banking was considered a glimpse into the future. But, with the blink-and-you'll-miss-it pace of IT development slicing product shelf lives into fractions of what they once were, it had to be only a matter of

time before Internet banking transactions became old hat. And according to a Meridien Research study, more than half of all banks will offer basic transactions via the Web by 1999. So what was once a competitive edge is fast becoming a commodity. The big question: What's the next phase of Internet banking? Active selling.

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