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Agenda. Observations about Banking ChangesBanks and Voice ProcessingTelebankingTelebanking Case StudyBank Case StudiesRetail Challenger Case StudiesOther New ChallengesConclusions. Observations about Banking Changes - 1. John Reed, chairman of Citicorp:\"Ultimately, banking is going to be a line or two of application code in some big network. I don\'t think anybody can argue with that.\"Joe Blank, mortgage industry computer consultant with Arthur Young:moving from \"brick and mortar\" bra1144

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