G. Henry Mundt 3d thinks he has a pretty good idea what the future holds,and he believes he's ready for it. No, he's not a crystal-ball gazer or a tarot-card reader. But Mr. Mundt, chief executive officer of Cirrus System Inc., is a fascinated reader of people, especially their habits and preferences. And that's why he says heading up his global network of automated teller machines puts him in an enviable position. In December, Mr. Mundt will also become responsible for MasterCard International's global debit services group. The 40-year-old executive expects the new responsibilities to be both challenging and fun. He cited the growth of electronic commerce, direct banking initiatives, and the increasing interest in home banking and bill payment projects as proofs of interesting times to come in the financial services business. "I think we're going to see a proliferation of users of these types of services - soon," said Mr. Mundt, a 12-year veteran at Cirrus. "We will make sure we are providing the gateways to these services." Taking a break from a series of global board meetings for MasterCard International, Cirrus, and Maestro, the card association's on-line global debit brand, Mr. Mundt shared his vision in an interview.

Q.: Where is Cirrus heading?

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