We now see the development of home banking as an inevitable trend: the technology involved has proven reliable, with new applications being developed at a rapid pace. Furthermore, a market for these new services clearly exists already, and in our opinion cannot help but expand in the future. Now is the time to lay the groundwork for future growth and future decisions, if we are to succeed in implementing what is truly a "technology of the future". There is no time to lose, since, in our opinion, "keeping up with the times comes down to an ability to live ahead of our times, i.e. to plan for tomorrow.