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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]
Online Lending, version 4.0 (part 2)
June 2001
In Online Lending part 1 (OBR 66), we argued that banks should embrace what we called Open Lending, a strategy of guiding customers to their optimal source of credit, even if that means helping them secure a loan from another financial institution. This doesn't mean tossing the value...[more]
2002 Planning
June 2001
With the free-flow of capital shut off, it may seem like the pressure to innovate is off. We don't think so. Despite the severe downturn among consumer Internet sites and the closing of three prominent Net-only banks, WingspanBank, Security First Network Bank (SFNB), and CompuBank, end-user demand for...[more]
Special Report: The Hidden Segment
April 2001
In this special report we'll help you analyze, justify, design, and launch an online service geared towards microbusinesses. This issue contains the executive summary of the special report, along with an analysis of two promising microbusiness solution providers, OneCore and CheckSpace. The full 100+ page report is available...[more]
Searching for Prospects
March 2001
By the time you read this, 2001 will be about 25% complete. Are you a quarter of the way to your annual goals? Presumably you sandbagged as much as possible, but you may still need a boost to get the year off to a promising start. This month...[more]
After the Bubble
February 2001
Let’s face it, whether you work in it, invest in it, or simply write about it, the Internet isn’t nearly as fun as it was a year ago. But fun isn’t what banking is all about, nor what customers are looking for. It’s time to stop dreaming of...[more]
