11.   The enhancements are likely to include better telephone banking, more sophisticated automated teller machines and full-service banking over the Internet.

12.   This includes the growth of electronic banking via Internet, telephone banking, boutique-like branches and supermarket branches.

13.   Ultimately, Runnfeldt does not see online banking being much more than the next step in the evolution of telephone banking.

14.   Telephone banking was developed next and then the use of personalcomputers using a dial-up connection and proprietary software.

15.   Analysts believe increasing emphasis on telephone banking, cash machines and other technology has meant that further job-shedding was inevitable.

16.   The others see telephone banking as a complement to branch banking.