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The most surprising thing was that it did not happen earlier (14). For years Gates has had a dream of putting "electronic commerce at the core of personal computing," and now he finally has the software to accompany that dream (14). His idea includes a "Wallet PC" that can be carried around with people at all times (14). Microsoft believes that it can provide what executive VP Mike Maples refers to as a "whole new value chain" that will allow customers to interact by modem with banks, insurance companies, pension funds, etc. (14). Quicken is already being used by six million people to pay bills, manage credit, write checks, and handle taxes (14)...
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