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Let me preface my remarks by saying I’ve been involved in the I.T. industry for over 30 years now and have seen a lot, particularly banking systems. In fact the Japanese used our “PRIDE” methodologies to design their latest generation of banking systems which are considered state of the art and ahead of their American counterparts. With this said, I recently went to my bank to make a deposit. I know most of the tellers there and enjoy a good relationship with them. However, on this occasion there was a new teller who dutifully processed my deposit and upon looking at my account told me, “Mr. Bryce I see you are not taking advantage of all of our on-line banking services. Do you want a pin number or a debit card? How about direct deposit and on-line payment of bills?”

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