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Mobile Money & Payments
April 2007
While banking and payments are interrelated, when it comes to the rollout of mobile finance in North America, they will arrive in two distinct phases. As we discussed last month (OBR 138/139), the information about payments, what we call mobile banking, will lead the way with real inroads...[more]
Mobile Banking
February 2007
Ten years ago, online banking leapt from nice-to-have status to must-have. In hindsight, it’s pretty obvious why it became so popular, but at the time there were still questions as to if and when it would break out into its own “channel,” on par with telephone and in-branch...[more]
Online Banking & Bill Pay Forecast
December 2006
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...[more]
Bank 2.0
November 2006
Last month, we looked briefly at the Web 2.0 phenomena, a trendy label for second-generation websites often built around user-generated content such as photo sharing, blogging with comments, and video. While there is no precise definition, there are a number of communication techniques, design guidelines, and attitudes shared...[more]
2007 Online Banking Planning Guide
September 2006
Our twelfth annual Planning Guide is packed with more than 1000 brainstorm-inducing ideas, tactics, and tips you can use to improve the effectiveness and profitability of your online initiatives. The information is organized by product within the two major retail banking segments: consumers and small/microbusinesses. With fee revenue,...[more]
Personal Finance Features for Online Banking
August 2006
Online banking is the best thing to happen to personal finance management since the invention of the paper statement. In many countries, half or more of online users routinely visit their bank to check account activity, verify deposits, and just see if everything is in order. This report...[more]
Email Marketing in Financial Services
June 2006
According to email service provider Silverpop, 61% of financial institutions are now using email marketing, more than double the rate three years earlier (25% in 2002). But in these days of spam- and phish-infested waters, is it working? The good news: In the first half of 2005, banking...[more]
The Demise of the Branch
April 2006
Bank branches still have a place in the life of most Americans. Even heavy users of online banking and call centers still hit the branch nearly as often as they did a decade ago. Those pesky paper checks, and the occasional need for something other than a twenty,...[more]
Person-to-Person Lending at Prosper
March 2006
More than five years ago we authored the first comprehensive report on what was then a novel concept, so-called person-to-person payments. Two Palo Alto startups, X.com and PayPal, were the best-funded efforts attempting to create a new market in electronic payments between private parties. In a similar pattern,...[more]
Online Lending v5.0 (part 2)
January 2006
In part 1 (OBR 124), we looked at strategic alternatives for online lenders, especially the idea of making the loan process more transparent, a strategy we call open lending. This month, we move beyond open lending and lay out product options for all types of lenders, from a...[more]
Online Banking & Bill Pay Forecast
December 2005
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 2015). Year-by-year projection are provided for the following online products and services: • Checking/deposit account access • Loan/credit card access • Account aggregation...[more]
Online Lending v5.0
November 2005
In this report, we make the case for what we call Open Lending; helping your customers find optimal financing for homes, home improvement, education, small business, or any consumer want or need. Empowered by Google, Yahoo, and personal finance sites such as BankRate.com and LendingTree, customers are already...[more]
