1.   As for new lines of business, all but the largest banks have been wary of investing in such avenues as computer banking and mutual funds.

2.   Banks are hedging their bets on computer banking.

3.   He says computer banking should be seen not as a replacement to conventional banking, but rather as a new convenience.

4.   Like automated teller machines and telephone centers, computer banking costs less than traditional teller-assisted services.

5.   Over the next year, computer banking will get more popular as Internet access through cable television and cellular phone systems is improved, McChesney told the Bloomberg Forum.

6.   The bank also has imported concepts such as automatic teller machines and telephone and computer banking.

7.   The banks hope these new systems can take them out of the hole they have dug for themselves with current computer banking.

8.   To be sure, past industry efforts at computer home banking have flopped.

9.   Wells Fargo set up an online financial services division four years ago to manage computer banking for consumers.

10.   Whether it is credit cards or cash machines or computer banking, consumers often take more than a decade to change behavior.