March/April 2000
Volume LXXVI Number II
Published by BAI
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Mobilizing for E-Strategy
by Kenneth Cline — As Bill Harrison accelerates Internet strategy at Chase Manhattan, he must pick his targets carefully and safeguard current earnings.

Checking Out E-Payments
by John R. Engen — Banks derive hefty earnings from paper checks, but they must embrace electronic payments to retain valuable customers.

Specialist Challenge
by Steve Klinkerman — Banks traditionally prospered by doing a multiplicity of things well. But Harvard's Clayton Christensen says financial services specialists ultimately will gain the upper hand.

Culture Clash
by Julie Monahan — As banks purchase non-traditional firms, merging disparate cultures becomes an urgent strategic challenge.

Fitting It All Together
by Bill Stoneman — Despite electronic bill presentment's crawling start, banks have a vested interest in building a system that works for consumers, billers, and themselves.

Letter from the Editor
Bridging the Divide
by Thomas P. Johnson Jr. — Competing in e-commerce requires traditional financial services companies to adopt new structures–but how far should they go?

Technology & Information
The Message, Not the Medium
by Bill Stoneman — Personalized message technology offers a great online marketing opportunity, but only if customers find the content compelling.

Trends & Statistics
1999 Performance Review — How did the top 50 banks perform last year? Our comprehensive statistical report is based on data from SNL Securities LC, Charlottesville, Va.

E­Commerce
Telepayments: Will they Click on the Net?
by Jay Norman and Samee Zafar — How did the top 50 banks perform last year? Our comprehensive statistical report is based on data from SNL Securities LC, Charlottesville, Va.

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