Bankers are tentative and confused about the Internet and how they should set strategy for it. (Their conundrum is the taking-off point of Thomas Vartanian's article on page 4A.) But that has not prevented them from herding into a staging area for what is shaping up as a massive on- line invasion - though at a somewhat measured pace.

One of the latest indications is Datapro Information Services Group's annual survey of bank information technology executives around the world.

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