Despite fraud concerns, online banking penetration continued to climb reaching 34% of all U.S. households by year-end. See the report for complete details on the number of online banking and bill pay households in the United States from 1994 through 2015.
We also take a look back at 2004 with escalating fraud selected as the most significant development of 2004. Runner-up was the proliferation of free bill payment at virtually every top-50 U.S. bank (see OBR 109). See the report for complete details on the top-10 most significant events of 2004.

Other Subjects:
• Top ten web design mistakes
• Bank of America adds 2.4 million new users in eight months
• ING Direct is now a top-30 banks with nearly $30 billion in deposits
• Remote-capture from First Tennessee Bank