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2002 In Review
January 2003
2002 was marked more by execution than innovation. Many of the best online providers made significant Web-usability improvements, but didn’t expand the basic feature-set. A striking exception is Charter One Bank, which launched a number of new features including, fyiAlerts, the OBR Innovation of the Year. See Top...[more]
Online Banking by the Numbers 2003
December 2002
If not for the foul economic climate and over inflated expectations of the late ‘90s, the online channel would be the toast of the industry. By most measures, online banking is a runaway success. Compounded annual growth since OBR’s founding, at year-end 1994, has been 80%. Worldwide, more...[more]
Planning for 2003 & 2004
October 2002
Each fall, Online Banking Report releases its planning guide for the upcoming year. Our eighth annual edition is packed with more than 500 ideas and tactics you can use to improve your online offerings. Tactics are organized by product, and within the two major retail banking segments, consumer...[more]
Adding Value to Electronic Payments (part 4)
September 2002
Our final installment in the four part epayments series looks at outsourcing options for electronic bill payments, person-to-person (P2P), and interbank transfers (Me2Me). We profile two interesting new entrants: iPay LLC, and PayCast. Contents • Overview • New vendor spotlight iPay LLC PayCast • Vendor snapshots CheckFree Metavante...[more]
Grabbing Desktop Mindshare
August 2002
We take a look at ways that financial institutions can ""brand the desktop"" making it easier to keep banking services top of mind with customers and prospects. Eight methods are proposed ranging from the very low cost (a few hundred dollars) to the high end (7 figures); but...[more]
Credit Report Monitoring & Identity Protection Services
June 2002
For the first time, we take a comprehensive look at the burgeoning consumer-direct credit report market. Industry trends are identified along with sales and revenue forecasts through 2011. The various credit report products, both for one-time sale and the more comprehensive subscription plans are reviewed and evaluated. The...[more]
Adding Value in Electronic Payments (Part III)
April 2002
In part 3, we put it all together and present our ideal ""Bank of Dreams"" epayments center. Included are charts to help financial institutions prioritize their products offerings depending on total budget size and payments strategy. We also expand upon the enormous opportunity with interbank funds transfer first...[more]
Adding Value in Electronic Payments (Part II)
March 2002
In part 2 we take a look at five potential epayments business models, highlighting our favorite: bill payment as a loan generation device. After reviewing average prices for bill payment today, we look at 14 epayment pricing strategies. Finally, we put on our product development hat and outline...[more]
Adding Value in Electronic Payments (Part I)
February 2002
If you'd like to develop a meaningful point of differentiation for your company, an area ripe for picking is electronic payments. In our view, few providers have developed a payment program geared towards genuine user needs. Using FedEx as a metaphor, we look at strategic issues for evaluating...[more]
2001 In Review
December 2001
A great year for online banking, overshadowed by world events Although the past 12 months will mostly be remembered for bad things, it was a great year for online banking. There were no radical new innovations during the past year, but some of the new features launched in...[more]
The Numbers (part 2)
December 2001
Last month we updated our online banking forecast, noting the significant increase in usage during the past 18 months, where U.S. usage has grown approximately 50% to more than 20 million users (OBR 76, p. 5). This month we drill-down and look at specific product usage such as...[more]
Online Lending, version 4.0 (part 3)
July 2001
Originally, we had planned to conclude our look at online lending last month with the second installment. However, we found so many new innovative features at the top online mortgage lenders, we extended the report for one more month to bring you full coverage of E*Trade Mortgage (formerly...[more]
