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