Last month we updated our online banking forecast, noting the significant increase in usage during the past 18 months, where U.S. usage has grown approximately 50% to more than 20 million users (OBR 76, p. 5). This month we drill-down and look at specific product usage such as online payments (p. 38) and loans (p. 23); and how industry bellwethers such as NetBank (p. 15) and LendingTree (p. 43) are fairing through the economic downturn.