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Parents must be able to detect early signs of speech and language disorders in order to prevent children from developing social, physical and cognitive complications. It would be helpful for children born with language disorders to be exposed to various sounds and manipulative toys.

The banking industry is changing as competition increases and technologies advance, so bankers' jobs are more complex. A survey of bank employees shows that most have less job security but believe the growing emphasis on investment management, marketing and other entrepreneurial skills can lead to more opportunity for qualified workers. Changes in corporate culture, public opinion, salaries, competition with nonbanks and other factors are analysed., For John A. Kanas, the job requirements for a modern bank executive hit home when he and a half-dozen senior managers spent the Fourth of July holed up in the [...]

Bankers' optimistic projections regarding the corporate transaction card business have not panned out. Banks entering the market have encountered confusion, growing pains, and technological problems. They have not had the human resources needed to market and implement corporate-card systems, and some corporations have not shown full acceptance of them. Many banks have found more complexity in the corporate-card business than in the consumer card business., Bankers that have entered the commercial card game have not gotten rich as quickly as they had anticipated. Despite the untapped nature of the market and optimistic growth projections, various [...]

Corporate cards are starting to earn their place in the bank credit card family. Though corporate cards still do not compare in numbers with those on the highly lucrative consumer [...]

More than $700 mil was spent by the credit card industry on advertising in 1996 with Visa International, American Express Co, Discover, and MasterCard International among the leading spenders. Network television accounted for 46% of credit card advertising budgets in 1996, and 49% of ad budgets in the first quarter of 1997. Celebrities were relied upon by many advertisements, and many television ads negatively compared different credit cards, as well., First of Two Parts With messages ranging from boosterism to mudslinging, and relying on celebrities including Martha Stewart and Jerry Seinfeld, credit card companies spent more than $700 million on [...]

The merger of Chemical Banking Corp with Chase Manhattan Corp was announced to the public on Aug 28, 1995 in New York, NY. A new distinctive corporate culture which combines elements from both Chase and Chemical has been noted by many executive who have been interviewed. The creation of the largest banking company in the US and a stronger organization, and other business decisions as well, were some of the elements commonly noted by interviewees., The morning of Monday, Aug. 28, 1995, was sunny and warm, and most New Yorkers were following the O.J. Simpson murder trial while looking ahead to a holiday weekend. As [...]

Roger Cullen and Cheryl Cullen have been arrested in Delaware for the alleged forging of identities of several hundred people and obtaining fraudulent credit cards. The episode indicates the increase of check and credit card fraud in the US. Banks can prevent further episodes by scrutinizing ID, drivers' licenses, and other documents, using data bases, and by training employees in documentation procedures., It first appeared last October as a blip in a checking account that had seen little activity. Account officers at Wilmington National Trust in Delaware made inquiries about the dozens [...]

Los Alamos National Bank seems ideally suited to develop Internet banking, but the $342-million-asset bank has found it very difficult to do so. Despite two years of work, the New Mexico institution can offer no more than a basic site with no interactive capabilities. Huge cost overruns, bothersome delays, and terrible misunderstandings with a vendor have kept the bank from making further progress. Los Alamos National is looking for a new vendor., For a bank with Internet aspirations, Los Alamos National Bank had everything going for it: a small, self-contained community with an upscale, educated, truly wired population that included the bank's [...]

First Virtual Holdings Inc has developed an e-mail-based electronic payments system called Internet Payments System. The system, in contrast to systems developed by competitors Digicash and Cybercash, achieves security by eliminating the need to transmit a credit card number over the Internet. Consumers instead obtain a personal identification number via telephone and use that to complete electronic transactions. Former Hollywood business manager Lee H. Stein heads First Virtual., Enough about Hollywood. Lee H. Stein is no longer interested in recalling his days in the 1980s as business manager to celebrities like Rod Stewart and Matthew Broderick, or his [...]

Open Market Inc founder Shikhar Ghosh was one of the first to recognize the World Wide Web's economic potential. His company, whose customers include major banks and corporate giants such as AT&T, supplies software that enables companies to conduct business on the Internet. Ghosh said that it is possible, in 1997, to create internet banking environments that are completely secure., For Shikhar Ghosh, three years is a long time. It took him that long to articulate a vision for electronic commerce, form a company to execute it, and turn it [...]

Carolina First Corp, a Greenville, SC-based banking company, reflects Mack I. Whittle Jr.'s risk-taking mentality. In 1987 he left a comfortable job to start Carolina First, and the bank has demonstrated a willingness to invest in high-technology ventures. It holds an 18% stake in automated lending technology producer Affinity Technology Group, and it opened Atlanta Internet Bank, the US' second Internet-based bank., Mack I. Whittle Jr. is one of those rare bankers who accepts a dose of risk as part of doing business. Ten years ago, Mr. Whittle left a comfortable post [...]

Busey Bank of Champaign-Urbana, IL, has become one of the first banks to use a World Wide Web site and the Internet for customer transactions beginning in Dec 1996. The Busey Bank home page on the Web allows customers to read bank statements, transfer accounts, and pay bills. Computer banking, debit cards, telephone payments, and automated tellers are some other electronic services. President David Kuhlhas led Busey Bank's automation., David Kuhl doesn't ride his Harley-Davidson motorcycle to the office, but that, perhaps, is one of his rare nods to convention. Mr. Kuhl is president of Busey Bank, an $850 [...]

A large number of former officers from Chase Manhattan Bank N.A. continue to maintain contact with each other through the Chase Alumni Assn. The Chase Alumni Assn, formed by Hans van den Houten and Chet Brauch in 1988, is comprised of 3,000 members in 43 countries who get together for friendship and career networking. Members can either attend semi-annual cocktail parties in New York or chapter meetings in foreign countries. The majority of alumni have remained within the financial services business, but some have turned to other occupations such as becoming a dance instructor., The business cards were flying thick and fast, and the gallows humor was at a dull roar. 'Don, what do you put on your business card these days?' asked Peter [...]

Cybercash was founded in 1994 and manufactures software that makes payments over the Internet much easier. Cybercoins, or electronic coins, are a new concept that enables individuals to purchase products that cost between 25 cents and $10, through electronic commerce. First Union Corp, PNC Bank Corp and Wachovia Corp will introduce a Cybercoin pilot program., ###JENNIFER KINGSON BLOOM In the foyer of Cybercash Inc.'s office in Reston, Va., hangs a tinsel rocket ship adorned with paper streamers and the words 'Cybercoin is launched!' It is [...]

Microsoft Corp. is aggressively battling Intuit Inc. in the home banking services software market. Intuit's Quicken Money personal financial software program now enjoys a dominant 80% share of the market, with Microsoft's Money program a distant second with a 15% market share. As part of its campaign to gain new market share, Microsoft is offering banks who chose Money a wide range of processors. A third player in the market is Meca Software Inc., which is marketing Managing Your Money software., The Intuit-Microsoft battle is shaping up as home banking's version of Coke versus Pepsi. Microsoft Corp. has made what it considers a direct attack on Intuit Inc.'s dominance in the [...]

As MasterCard International portrays it, getting sued by the Justice Department on antitrust grounds is far less of an indignity than being constantly mentioned in the same breath as Visa, [...]

Bankers seem to be making progress on the issue of pesky patents: A delegation met last week with officials from the federal Patent and Trademark Office and hashed out ways [...]

Do you carry a dongle? Probably not, but people in the hardware security business are more optimistic than ever that all of us will soon own one, or will carry [...]

Bank One Corp. has sold its credit card business in the United Kingdom to the British bank Halifax Group PLC, the companies said Thursday. They did not give the price [...]

As if banks lacked enough to worry about, up comes the issue of intellectual property. Thanks to a two-year-old change in policy at the U.S. Patent and Trademark Office, people [...]

Now that biometrics has gained a toehold at banks, the industry is facing some difficult decisions about how to introduce it to customers. Banks have been using the futuristic technologies [...]

Not so long ago, James H. Blanchard thought high technology at a bank meant a mainframe computer and a call center. Today, as the new chairman of the Banking Industry [...]

Visa International plans to create a new for-profit credit and debit card processing company April 3, one that could ultimately compete directly with First Data Corp., Electronic Data Systems Corp., [...]

First Data Corp., in a new Internet strategy, has started pouring venture capital into young technology companies whose products mesh with the payment processor's businesses. First Data's approach is somewhat [...]

Visa U.S.A.'s transaction totals from 1999 were both rosy and staggering: $721.1 billion in consumer and business purchases were charged on its cards, up 18% from the $611 billion in [...]

James H. Blanchard, chairman and chief executive officer of Synovus Financial Corp. of Columbus, Ga., will take over as chairman of the board of the Banking Industry Technology Secretariat at [...]

More people will do their holiday shopping on-line this season than ever before, according to a recent survey, a trend that bodes well for banks and other credit card issuers [...]

Just about any major bank or credit card issuer that wants its fair share of the Internet commerce market this Christmas season and beyond has put a digital wallet on [...]

First National Bank of Omaha has set up a division within its cash management business to offer Internet bill presentment and payment services. Corporate clients of the bank can offer [...]

NextCard Inc. of San Francisco has introduced an automated-wallet-like service designed to ease the process of filling in order and payment forms for Internet shopping. From now on, each NextCard [...]

Earlier in his career, Thomas J. Litle bought a bankrupt mail-order catalogue that sold American handicrafts, parlayed it into a payment processing empire for the direct-marketing industry, and sold in [...]

His peers at other credit card companies fret about how to do things faster and better on the Internet, but Ronald N. Zebeck is content to watch and learn. The [...]

SAN FRANCISCO - Michael A. Beindorff, the Visa U.S.A. executive who recently took charge of the new eVisa electronic commerce division, has resigned and is to become chief operating officer [...]

Consumer loan delinquencies hit a four-year low in the second quarter, according to the American Bankers Association. In its quarterly survey, regarded as a benchmark of consumer credit quality, the [...]

NextCard Inc. has a new Internet gimmick: a credit card that pays consumers 50 cents a month to forgo paper statements and receive and pay card bills on-line. The product [...]

Visa U.S.A. Inc. has put its Internet-related activities into a new division named eVisa that will work with banks and merchants to strengthen their positions on the World Wide Web, [...]

The last year saw no end to the rhapsodies, superlatives, and arrows-up financial projections about the Internet, and nowhere more so than in the credit card industry. Par for the [...]

American Express Co. introduced a credit card on Wednesday that it says will be the first to enable U.S. consumers to make secure Internet purchases using a digital certificate stored [...]

Since the spring, Visa U.S.A. has been cutting deals with banks that issue its credit cards and merchants that accept them, offering preferential pricing and the benefits of a closer [...]

Providian Financial Corp. said its seven-month-old electronic commerce division has been flourishing beyond expectations. Though Providian does not say its Internet division has begun making profits few companies in the [...]

Fleet Financial Group's credit card unit is hatching plans for a separately branded Internet business to be introduced early next year. The name has not been chosen, and Fleet is [...]

Visa U.S.A. still has high hopes for the controversial debit card it introduced late last year. Only seven community banks are issuing the latest version of the card, known as [...]

A subsidiary of Household International Inc. plans to introduce what it says will be the United Kingdom's first Internet-based credit card. The card, which has not been given a name, [...]

SAN FRANCISCO - Providian Financial Corp., which has been plagued by lawsuits and related bad publicity, said it had a net increase of 1.1 million accounts during the second quarter. [...]

Verifone Inc. has introduced a software system for small and midsize retailers to manage networks of point of sale terminals. The product, VeriTalk Lite, came on the market Monday and [...]

MINNEAPOLIS - U.S. Bancorp has won a five-year contract to become the exclusive purchasing card provider for Lockheed Martin Corp., the bank announced Monday. U.S. Bancorp, the largest issuer of [...]

SAN FRANCISCO - Providian Financial Corp., buffeted by a series of class actions, has hired a senior executive, Konrad S. Alt, to help improve its public face. Mr. Alt was [...]

It's official: Chase Manhattan Corp. is in the market for credit card portfolios. A year ago, the fourth-largest bank card issuer declared an interest in becoming No. 1 among Visa [...]

First Data Corp. has introduced a product that lets banks make instant decisions on credit card applications submitted through the Internet. The few card companies that developed such a capability [...]

A group of prominent technology companies is assembling a package of Internet services to support business-to-business commerce. The companies, which call their partnership Global Commerce Alliance, are Sun Microsystems Inc., [...]