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Online Banking Coming

A recent survey from Jupiter Communications says online banking will attract more than 13 million households by the year 2000. Trouble is, many householders still manage finances from a shoebox.

NEW YORK--Online banking may be popular in the future, but the majority of Americans still manage household finances from a shoebox, not a keyboard. A recent report from Jupiter Communications claims that online banking is set to blast off from less than a million households to 13 million between now and the year 2000.

But getting those households to move from the shoebox style of bill management to the streamlined efficiency of online banking may take some doing, according to another survey conducted by Commsciences of Los Angeles. The Commsciences study was sponsored by Microsoft Money.

The survey of 800 Americans found that 20 percent admit they need help organizing expenses and finances. One in four people surveyed claimed to use a filing system to keep up with bills and bank statements. However, under further questioning that same percentage admitted that their "filing system" amounted to stuffing bills and statements in any handy desk drawer.

Twenty-nine percent confessed they wait until the last minute to pay bills, and a whopping 48 percent said they rely on banks or ATM statements to keep track of account balances.

And what group falls down most frequently in the area of organizing personal finances? Generation X+. The survey showed that respondents 23 to 35 have the toughest time keeping track. Thirty-five percent of this group said their personal finances are out of control.