Internet-only banks
Y2K was also an era when few Internet only banks were established, and out of which Japanese banks have better survived by now. The rest of the world is struggling to keep this internet only concept alive.
Needless to say, debate is on for account aggregation vs. multi-factor authentication vs. privacy vs. so on.
2007 and beyond
In the present regime of 2007 and beyond, the banks are concentrating on targeting the incremental service-level in online banking value-chain e.g. developing creative ways of countering security threats, targeting comprehensive supply chain management for entire life cycle of a transaction , customizing the social network in wbe2.0 including offering more control to the user, aligning internet banking with multiple channels to offer the best technological upgrades to the customer, mobile banking services, etc. Banks are targeting Internet banking as a medium to generate new business and attracting either offline or fresh customer through effective ways of cross-selling, establishing cross border services for various corporate as well as consumer segment. Internet banking is also been used as a channel to create profile driven marketing campaign for various banking products.
Research suggesting internet banking growth story
According to Pew Internet American Life Project in 2005, around 53 million Americans conduct majority of their banking online. This is approximately a quarter of all adults and this has risen over 47% since 2002.
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