In this report, we look at online/mobile banking and billpay usage in the United States, both past (back to 1994), present, and future (through 2023). Year-by-year projection are provided for the following online products and services:

• Checking/deposit account access
• Peer-to-peer (P2P) lending
• Mobile access
• Loan/credit card access
• Account aggregation
• Pay-anyone bill pay
• Direct bill pay
• Person-to-person (P2P) payments

Also, in this report we look at:

• Mobile banking forecast for 2025
• The top 10 developments in 2013
• The top 50 online banking innovations of all-time including four new entrants
• Recap of the top-10 innovations by year since 1996