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LINDA FENNER ZIMMER
Integrated Financial Services
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accounts Atlanta Fed ATM users automated clearinghouse automated teller machines balance Bank of Atlanta bankers banking industry bilateral net bilateral net credit bill branch cash cycle cash dispensers cash management cash management services cash management system CashWire charge companies competition competitor consumers corporate costs credit card customers debit card delivery systems demand deposits depository deregulation economic efficient electronic data interchange electronic funds transfer electronic payments Fed's Federal Reserve Bank FedWire financial institutions firms future going home banking income increased innovation installed interest investment large-dollar payments loan locations lockbox look machines middle-market National Bank nonbank operations overdraft payments services payments standards payments system percent personal computer point-of-sale pricing problems Publix receiving regulation retail risk role savings sender settlement SRI International strategy supermarket terminals transaction accounts transactions wire transfer