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Twenty-Twenty Vision

When open-source software pioneer Eric Raymond first presented his manifesto The Cathedral & The Bazaar in 1997, he was writing specifically about software development in the days just prior to and just after the introduction of Linux to a worldwide audience: the old-line "cathedral" model, in which only specially trained and highly enlightened craftsmen were able to write and maintain the lifeblood of computing, and the emerging "bazaar," the wide open discourse "of different agendas and approaches" Linux and the open-source world embodies.

Ten Tech Companies to Watch

The challenges that banks face are legion.

America's Great Divide

The subprime mortgage troubles have grabbed a lot of headlines this year as delinquencies and foreclosures mount and lenders scramble to tighten underwriting standards and head off onerous new rules from a populist-minded Washington.

The Rise of Business Intel 2.0

Forget traditional customer relationship measurements. Business intelligence technology-once reserved for derivatives geeks-relies on analytics and economic modeling to determine a customer's value and risk potential to an institution during the course of his life. For banks like Wachovia Corp., BI is helping to build a correlation between corporate strategy and consumers' life stages, household details, and financial choices-something that can translate into money for both parties.

The New Red Menace

Russian and eastern European hackers get all the glory these days, but their efforts to disrupt American financial services are a nuisance when compared to the nation-state threat that china's cyber army, and its rogue hackers, may pose. U.S. financial institutions' IT Security defenses aren't capable of defending against a rising global superpower. But then again, neither are Uncle Sam's.

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