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Selling Insurance Online (Banking Edition)
December 2011
Few banks have really pushed insurance at the retail level. Those that do can turn it into a significant revenue generator. For example, insurance revenues at the 50 best bank holding companies in this category saw an average of about 40% of their non-interest income come from insurance....[more]
True Virtual Banking Has Arrived
October 2011
Since the 1990s, the term virtual bank has been used to describe financial institutions operating predominantly online. However, most of the upstarts were not full-service banks, but specialists such as ING Direct or Emigrant Direct, using the Internet to gather high-rate deposits. But at this year’s Finovate, we...[more]
2012 Guide to Online & Mobile Banking Products, Pricing & Strategy
August 2011
Our 17th annual Remote Banking Planning Guide is packed with more than 1,000 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. To...[more]
Family Banking: Tweens, Teens & their Parents
July 2011
In this report, we look at ways to develop online/mobile banking and card-based services for the youth market, which numbers more than 100 million in the U.S. alone. Banks typically get serious about younger consumers when they are college-bound and expected to walk into a branch near campus...[more]
Creating Subscription-Fee-Based Online & Mobile Services
May 2011
In this report, we look at ways to develop subscription-based services delivered primarily through online and mobile banking. After a decade-lone free ride, it’s time for banks to deliver, and consumers to pay for, value-added online services. We are not suggesting banks charge for straight-forward data access, that...[more]
Delivering “Live Help” Online
April 2011
In this report, we look at a nearly decade-old technology, live chat and click-to-call, that are getting more usage as online retailers become more sophisticated. And as consumers become far more accustomed to interacting via typing instead of talking, it will be second nature to chat online with...[more]
Merchant-Funded Rewards Programs
February 2011
In this report, we look at new models for debit and credit card rewards programs. The old model, where banks paid airlines and merchants dearly for goods and services to give to customers, has been turned on its head. Customers still get valuable rewards, predominately in cash, an...[more]
Online & Mobile Banking Forecast
January 2011
In this report, we look at online/mobile banking and bill pay usage in the United States, both past (back to 1994), present, and future (through 2020). Year-by-year projection are provided for the following online products and services: • Checking/deposit account access • Peer-to-peer (P2P) lending • Mobile access...[more]
Paperless Banking & Billing
November 2010
When I first started writing about online banking in 1995, there were many unknowns. But by the late 1990s, most people were pretty sure of three things: • Online would trump the ATM, call center and branch for routine information queries and simple transactions. • Email would ensure...[more]
2011 Guide to Online & Mobile Banking Products, Pricing & Strategy
September 2010
Our sixteenth annual Planning Guide is packed with more than 1,000 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. To help navigate...[more]
Email Banking: Revitalizing the Channel
August 2010
In this report, we take a new look at email and how it could be made to be the core channel for certain users. Email has long been a reliable, low-cost way to disseminate information. But there’s little interaction since most financial institutions use it as a one-way...[more]
Bank Transaction Alerts & Streaming
July 2010
In this report, we look closely at how best to transmit transaction data to online/mobile customers. In a world where most users are receiving real-time status updates from friends, co-workers and companies via Facebook, Twitter and other services, financial institutions should look closely at the way they deliver...[more]
