IN THE PAST TWO years, Americans have been inundated with the wonders the socalled information highway supposedly will bring to their doorsteps. From interactive media and video communications to telebanking, the message promises technology that will permit consumers to conduct their everyday affairs without ever leaving home.

Even though this is logistitally, technologically, and economically miles away from reality, questions about how this technology will affect the banking industry am already being addressed.

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