DESPITE A FOCUS IN recent years on retail banking and the profitability of consumer services, many banks continue to invest in technology to better manage and service commercial accounts.

Results of the 1994 American Banker/Tower Group/Andersen Consulting survey of 150 of the top bank holding companies in the United States illustrate that technology, a critical component in wholesale banking, is being used to provide value-added services to corporate clients, supporting the industry's efforts to rely less on credit relationships with commercial customers and shift revenues more toward steady fee income.

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