The search box above will search the Abstract, Keywords and Companies Mentioned and return any issues matching all of the values entered.
Epayments v4.0 (part 2)
April 2005
In part 1 (OBR 115), we looked the market size and business case for electronic payments. In part 2 (OBR 116/117) we tackle the fun part: product development, customer support, and marketing. You might think you needn’t pay close attention to bill payment. After all, you probably outsource...[more]
Epayments v4.0 (part 1)
March 2005
In Electronic Payments v.3.0 (March 2002, OBR 80-82) we speculated on what the payments business would look like if FedEx entered the market. Although an interesting exercise, it remained just that. Fundamentally, little has changed in three years. Major U.S. banks have grown even more averse to charge...[more]
Online Banking Forecast: 2005 to 2014
January 2005
Despite fraud concerns, online banking penetration continued to climb reaching 34% of all U.S. households by year-end. See the report for complete details on the number of online banking and bill pay households in the United States from 1994 through 2015. We also take a look back at...[more]
The Safe Banking Initiative
December 2004
The industry MUST adopt stricter online authentication and monitoring tools or risk a damaging backlash against online banking and payments. To help spur innovation on the security front, we are launching a new effort called the Safe Banking Initiative, or SBI for short. We hope to create an...[more]
Innovations & Inspirations
November 2004
As we approach the ten-year anniversary of Web banking, the overall state of online financial services is excellent. Several critical areas still need work, such as foiling fraudulent website access, but overall we like what we see online. This month we highlight four notable new innovations, the first...[more]
2005/2006 Planning Guide
September 2004
Our tenth annual Planning Guide is packed with more than 500 ideas and tactics you can use to improve the effectiveness and profitability of your online initiatives. Tactics are organized by product within the two major retail banking segments, consumer and small- and micro-businesses. The report also includes...[more]
Small and Microbusiness Banking Online 4.0
June 2004
Main Report: With more than $2 trillion in assets and liabilities up for grabs, the small business market remains attractive to financial institutions of all sizes. This report focuses on the online channel and how it can be used to improve profits and market share in the small...[more]
E-Service 2.0
April 2004
Making the case for improved online customer service is easy. Online banking customers now prefer it almost 3-to-1 over telephone support (see tables within report). Done right, e-service can increase customer satisfaction, decrease support costs, and lead to increased sales. What's not to like? The problem is that...[more]
Lessons from the Credit Card Marketers
February 2004
As we entered the Internet era in the mid-to-late 90s, we fully expected the credit card issuers to lead the financial services sector online. For a while, it looked like a good prediction. Many of the early online banking pioneers, NextCard, Providian/GetSmart, Wingspan Bank, C2it, Juniper Financial, had...[more]
The Forecast
January 2004
Our annual look at the past, present, and future of online banking including a 10-year forecast for online account access, bill payment, and other online financial services. In our look back at the year 2003, we identified the top-10 innovations and industry developments of the year, included the...[more]
No Phishing
December 2003
In earlier reports, we looked at long-term strategies to improve security and prevent unauthorized account access from ID thieves and mass phishers (see OBR #100/101, #93/94). This report looks specifically at recent user education efforts against fake emails and potential solutions, both short- and long-term. While monetary losses...[more]
