Aite Group forecasts that by 2010, 13% of checking accounts will be opened online in the United States, up from 3% in 2006.
Global e-commerce activity is currently estimated to be approximately 10 trillion US dollars. Increasingly, Internet banking will be used as a payment mode either using physical or virtual credit cards or though fund transfer or direct debits . Currently physical card plays a major role in these global payments with or without using Internet Banking.
Security threats over interneta need for introspection
In contrast to the growth stories, parallel research by organization such as Mintel in USA suggests a flip side of the story. The study by Mintel indicates around two thirds of 40% younger consumers 18-34 are turning way from online banking services, as they dont trust transactions on the Internet. Therefore a huge introspection is needed from bankers for planning to counter the security threats in terms of hacking, Trojan horses and several other modes of attacks on customer as well as banks.
Several Banks across the globe had to either compensate customers or to accept the responsibilities of security of their Internet banking channel. A security threat is a major deterrent for consumers aggressively using Internet banking. However it is also seen that perception of threat is much higher in the minds of consumers in comparison to the actual threat itself. Banks have to aggressively work to offer insurances or guarantee to the customers, which may help to secure huge potential market. But this still leaves with issue of data floating around with the fraudster , which may not be resolved with guarantees.
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