REINVESTMENT IN information technology infrastructure is a crucial issue for all banks. New technology options and products are changing rapidly under the weight of scientific advances.

To reinvest in information technology is very expensive and requires a vision of both the bank's long-term viability and the usefulness of the new technology infrastructure to the business. Reinvestment expenses are high because, while unit computing costs have decreased steadily for decades, the information technology infrastructure has expanded in scope even faster and now penetrates virtually every nook and cranny of every bank.

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