The most important factor to consider is acceleration. Today's desktop PCs, for example, have more power than the mainframes we ran entire banks on 20 years ago. Not only is the pace of change increasing, but so is the complexity of the technology.

If you look at the progress to date, it's clear that bankers are making "incipient" use of multimedia technology particularly as it relates to imaging and interactive video both at the ATM level and in conferencing.

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