Citicorp's technology strategists may have much more up their sleeves than digital cash (see article at left), yet they don't leave the impression they are out to conquer the world.

Quite the contrary. Under the leadership of chief technology officer Colin Crook, they are clearly not the take-no-prisoners breed of past eras. Where people in their places once may have blustered about Citicorp's being light-years ahead of the bank technology norm, this generation couches its mission more in terms of public service.

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