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Special Report: The Hidden Segment
April 2001 : OBR70&71
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 : OBR69
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 : OBR68
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]
2000 Year in Review
December 2000 : OBR67
Y2K was an interesting year. To the surprise of many, the year started without incident. The lights stayed on, the terrorists stayed home, and banks were able to move on to IT initiatives that had a positive impact on the bottom line. In the United States and much...[more]
Online Lending, Version 4.0 (Part I)
November 2000 : OBR66
We've just witnessed the dot-com flame-outs of Mortgage.com and iOwn along with the free-fall in the share prices of most other pure online lenders. Is it time to write off the online loan marketplace as a passing fad? Hardly. Despite the rhetoric in the trade press, online lending...[more]
Building the Amazon.com of Financial Services
October 2000 : OBR64&65
Whether Net-oriented brands open physical storefronts such as DirectBanking.com's Boston branch, is really a marketing question. It worked for Schwab, it will work for several Net-oriented banks, but it's not likely to be a core strategy for most. It simply requires too much capital. That's not to say...[more]
Account Aggregation 2.0
September 2000 : OBR63
It's been one year since we first profiled financial account aggregation pioneer VerticalOne (OBR 53, p. 19-24). Account aggregation, aka statement aggregation, which we named the number one milestone of 1999 (OBR 57/58, p. 8), has generated an unusual amount of controversy during its first year, especially given...[more]
2001 Planning
July 2000 : OBR61&62
Last year we led the annual planning issues with the title, ""The Honeymoon is Over"" (OBR 52). What we meant was that competition had yet to become intense in the online banking sector. In looking back over the past 12 months, we can see that competition has indeed...[more]
Online Banking by the Numbers
June 2000 : OBR60
May 2000 marks the five-year anniversary of Online Banking Report as we publish our 60th monthly report. It’s also been five years since Wells Fargo first began posting customer statements on the Web, the first bank in the world to do so. Last month (OBR 59, subscription required)...[more]
Net Banking Catches Fire
April 2000 : OBR59
Why do we think Net banking is catching fire? One word, actually one letter, X. The buzz-building Silicon Valley startup X.com is delivering useful, low-cost, and easy-to-use financial services. Leveraging this appealing and viral product, X.com and a host of imitators will lift online banking household penetration to...[more]
Nothing but Net
February 2000 : OBR57&58
Five years after Web banking began at Wells Fargo in May 1995, are we beginning to see serious challengers to the old guard? Find out in our analysis of the new Net-only players, X.com, everbank.com, Virtual Bank, the newly funded CompuBank, and a dozen others. Contents • Screen...[more]
E-Service (part 2 & 3)
January 2000 : OBR55&56
During the summer of 1999, we tested the email service of U.S. financial institutions. The results were terrible. At the time we chalked it up to the learning curve and summer vacations. But we found little, if any, improvement in our tests in Oct. and Nov. Overall, across...[more]