In this report, we look at online banking and bill pay usage in the United States, both past (back to 1994), present, and future (through 2016). Year-by-year projection are provided for the following online products and services:
• Checking/deposit account access
• Loan/credit card access
• Account aggregation
• Email statements/alerts
• Pay-anyone bill pay
• Direct bill pay (including at credit card sites)
• Interbank funds transfer (A2A)

Also, in this report we look at:
• The top-10 developments in 2006
• The top-30 online banking innovations of all-time including five new entrants
• Recap of the top-10 by year since 1995
• Bank of America’s detailed online banking & bill payment totals