Article: Ameet M. Patel, 34;Senior VP, national consumer services, architecture and technology, Chase Manhattan Bank.(Brief Article)

As a true optimist -- a man who finds his three-hour daily commute useful downtime -- Ameet Patel sees opportunities where others see only obstacles. At his current job, though, Mr. Patel's optimism faces its severest test.

At Chase, his task is nothing less than to make the banking behemoth an on-line leader in financial services for both consumers and small business users -- despite the institution's late arrival to the on-line banking game. Nonetheless, Mr. Patel, who started the job and the daily commute in June 1998, after eight years overseeing systems integration for German chemical giant BASF in New Jersey, remains unshakably upbeat.

"We already ...

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