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1992 TECHNOLOGY SURVEY American Banker subscription American Banker/Emst applications architecture artificial intelligence asset bank technology bank's Banker/Emst & Young BANKING WEEK subscription branch employees Call client client computer client-server computing client-server system Comerica communications companies core processing core systems cost credit card Crowe Chizek data centers data processing depository accounts developed disaggregation downsizing equipment Ernst & Young expert system fax toll-free 800 files financial institutions FIserv functionality Greg Schmergel groupware handful of banks hardware industry industry's installed investment ISDN Journal of Retail KeyCorp largest banks local-area networks MAIL mainframe Management ment microcomputing power mortgage move needs nology nonbank Norwest OnLine Branch Automation open systems operations outsourcing personal computers Phillips PLAZA NEW YORK proprietary Retail Banking subscription senior vice president solutions Source STREET PLAZA subscription Card missing tech technol technology spending tions Unisys vendors Young Technology Survey