Retail banking in the 1990s is undergoing tremendous change. Government regulation requires fast, efficient processing of financial information. Deregulation in other areas, plus customer demands for a wider range of products and services, has led to increased competition from smaller banks and other institutions, such as credit unions, insurance companies and mutual fund houses, for market share. This book shows how retail banks can use automation as a key component in their marketing and management plans. From customer- visible ATMs to behind-the-scenes EDI (electronic data interchange) systems, the book shows how to streamline daily operations, stay ahead of compliance audits, and gain new accounts using efficient, cost-reducing strategies.