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Account Aggregation 2.0
September 2000
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
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
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
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
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
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]
Internet Person-to-Person Payments
November 1999
Online Banking needs a killer app to fuel growth. Person-to-Person payments involve not only the sender but the receiver – as long as that person is online, they become a customer in order to receive the payment. Seems like more incentive than usual. And, if it works, nothing...[more]
2000 Planning
September 1999
Will this be the big year? WingspanBank fired the first shot with a goal of one million accounts. We’ve updated the strategy matrix to support your planning efforts—along with some ""quick hits"" to increase web traffic before the end of 1999. Content • Effective planning • Conference calendar...[more]
Virtual Checking Accounts
July 1999
Will virtual checking combined with a credit card be able to gain control of the payments process while leaving the messy and largely unprofitable paper and branch-based checking services to the existing players? Contents • If you build it, will they come? • 13 reasons to focus on...[more]
Banking the Online Investor
June 1999
The bank’s share of assets in the model portfolio continue to decline, but there is more to solving the problem than just adding a quick-fix brokerage element. Content • Chasing retail investments online • Get core products going first • Look for unmet customer needs • Take the...[more]
Security Concerns as a Marketing Tool
May 1999
Security products and strategies can boost shareholder value when you address your customers’ fear, uncertainty, and doubt about doing business on the Web. Content • Making eCommerce Safe (Enough) • Building a Trustworthy Brand • Making Security a ""Product"" • Passwords • Innovators: VeriSign helps build online trust...[more]
Activation and Usage
April 1999
Are you signing up significant numbers of customers for online service, but the number of actual active users is lagging? This month’s issue provides ideas you need to convert signers to users. Content • Return on Time Invested • Account Activation • Creating a Good First Impression •...[more]
