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Personal Finance Features for Online Banking
August 2006
Online banking is the best thing to happen to personal finance management since the invention of the paper statement. In many countries, half or more of online users routinely visit their bank to check account activity, verify deposits, and just see if everything is in order. This report...[more]
Email Marketing in Financial Services
June 2006
According to email service provider Silverpop, 61% of financial institutions are now using email marketing, more than double the rate three years earlier (25% in 2002). But in these days of spam- and phish-infested waters, is it working? The good news: In the first half of 2005, banking...[more]
The Demise of the Branch
April 2006
Bank branches still have a place in the life of most Americans. Even heavy users of online banking and call centers still hit the branch nearly as often as they did a decade ago. Those pesky paper checks, and the occasional need for something other than a twenty,...[more]
Person-to-Person Lending at Prosper
March 2006
More than five years ago we authored the first comprehensive report on what was then a novel concept, so-called person-to-person payments. Two Palo Alto startups, X.com and PayPal, were the best-funded efforts attempting to create a new market in electronic payments between private parties. In a similar pattern,...[more]
Online Lending v5.0 (part 2)
January 2006
In part 1 (OBR 124), we looked at strategic alternatives for online lenders, especially the idea of making the loan process more transparent, a strategy we call open lending. This month, we move beyond open lending and lay out product options for all types of lenders, from a...[more]
Online Banking & Bill Pay Forecast
December 2005
In this report, we look at online banking and bill pay usage in the United States, both past (back to 1994), present, and future (through 2015). Year-by-year projection are provided for the following online products and services: • Checking/deposit account access • Loan/credit card access • Account aggregation...[more]
Online Lending v5.0
November 2005
In this report, we make the case for what we call Open Lending; helping your customers find optimal financing for homes, home improvement, education, small business, or any consumer want or need. Empowered by Google, Yahoo, and personal finance sites such as BankRate.com and LendingTree, customers are already...[more]
2006 Planning Guide
September 2005
Our eleventh annual Planning Guide is packed with more than 1000 brainstorm-inducing ideas, tactics, and tips you can use to improve the effectiveness and profitability of your online initiatives. The information is organized by product within the two major retail banking segments: consumers and small/microbusinesses. With fee revenue,...[more]
Lessons from the High-Rate Deposit Marketers
August 2005
Although no more than 2% to 3% of the general public currently holds an account at one, the online-only banks have considerably more influence than their relatively small market share would indicate. This report looks at the growing influence of online-only banks including: • Online-only bank forecast through...[more]
Marketing Security
June 2005
We’ve always considered online banking security more of a marketing issue than a technical one (see OBR 48, 93/94). It’s not that the technology doesn’t matter. It’s extremely important, complex, and must be managed carefully. But strategically, what matters most is the perception of security. If customers don’t...[more]
Lifetime Statement Archives
June 2005
Looking for an alternative to free bill pay? While bill payment, free or otherwise, is great for account retention, it’s a costly way to hold onto middle-of-the-road customers who’ve been adopting bill pay of late. So rather than giving away bill pay, the one traditional fee-based component of...[more]
Epayments: Differentiate Online Banking with Innovative Bill Management & Payments
May 2005
This special report from Online Banking Report combines three recently issued reports (OBR 115/116/117) to create a comprehensive view of the Epayments market. Epayments: Differentiate Online Banking with Innovative Bill Management & Payments covers the entire epayments universe ranging from market size and business case to product development...[more]
