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| New York, NY, USA IT Spending in Banking:
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| Executive Summary | 03 | |
| Introduction | 05 | |
| Definition of IT Spending | 06 | |
| Banking | 08 | |
| Retail Banking Dominates | 08 | |
| Internal Versus External Spending | 10 | |
| Byzantine Legacy Systems Pervade Banking | 10 | |
| Top Tech Trends in Banking: 2008 | 12 | |
| Conclusion | 21 | |
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