CREDITCON: AN ITALIAN EXPERIENCE, A FULL COMPANY STORY AS/400 BASED / IVANO FANI. THE CHALLENGE OF THE EURO: BANKING-INSURANCE/ JOHN DOWNE. INTEGRATION OF SAP WITH BANKING SOLUTION -MIDAS- AT INTER EUROPA BANK / FOLTANYI TAMAS. EXCHANGE CLEARING HOUSE LIMITED (ECHO). EUROPEAN BANKING & TECHNOLOGY TRENDS / MARCUS HALEY.