网路2.0时代的网路银行

Abstract

Overview

Introduction

This report will explore the impacts of the growth of online banking channels for vendors and end users.

Scope

• Covers global trends in online banking and how Web 2.0 might be incorporated to banks' advantage
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Report Highlights

Internet banking has evolved since the mid-90s rush to get online, moving from service to sales online has been a key goal for banks, and the emergence of Web 2.0 has been attracting attention in retail banking circles, making it an opportunie monent to asses how far internet banking has come and where it needs to go from here

Reasons to Purchase

• Gives insight into current state of play in online banking and where banks are looking to take their offerings in the era of Web 2.0
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Table of Contents

• Overview
  • Catalyst
  • Summary
• Key Messages
  • Online banking has grown up and become part of the retail banking channel mix
  • Generations X and Y enter the market as internet-savvy consumers
  • Banks need to maximize the revenue generation potential of their online channel
  • Not all banks' internet services are the same
  • Integration with sales and marketing faces the challenge of back-end silos
  • Web 2.0 brings both promises and challenges
  • The technology vendor landscape presents a lot of variety
• Table of Contents
• Table of figures
• Market Opportunity
  • Online banking has grown up and become part of the retail banking channel mix
    • Mature banking markets: online is a supplementary channel,not a replacement
    • Immature markets: opportunities in internet, but also mobile banking
  • Generations X and Y enter the market as internet-savvy consumers
  • Banks need to maximize the revenue generation potential oftheir online channel
    • The promise of multi-channel selling
  • Banks need to keep innovating
• Internet Banking Evolution
  • From proprietary dial-up to browser-based online banking
  • Servicing and sales via the internet today
    • Internet banking transactions and services: not all banksare equal
    • Moving to sales via the internet
    • Usability and convenience remain a challenge
  • The brave new world of Web 2.0
    • Overview of Web 2.0 technologies
    • Banks are dipping their toes into the waters of Web 2.0
      • Forays into virtual worlds have so far borne little fruit
      • Mashups are an easier concept for banks
• Impact on Banks: Making Online Offerings More Compelling
  • Integration with sales and marketing faces the challengeof back-end silos
  • A single customer view is required for retention and up-sell
  • Usability and convenience remain a challenge
  • Web 2.0 - threat and opportunity in equal measure
    • Security and brand impairment are the biggest risks arising from Web 2.0
      • A UK bank faces the wrath of socially networked students
      • Investors campaign against frozen ABCP market on Facebook
    • Web 2.0 has immediate potential for B2C communications
    • Web 2.0 can also empower internal communications
    • The future of Web 2.0 in banking
• Competitive Landscape
  • Channel vendors
    • S1 Corp.
    • Chordiant Software
    • Portrait Software
    • Fiserv taps Portrait for CBS Aperio and buys CheckFree,gaining Corillian in the process
    • Fidelity creates TouchPoint
    • Eglue
    • Sybase Financial Fusion
  • Transaction acquiring platform vendors
    • ACI
    • Fidelity' s eFunds
    • CR2
  • Core system vendors
    • Metavante
    • Misys
    • Temenos
    • TietoEnator
    • Financial Objects
    • SAP
    • i-flex, Infosys and FNS
  • Dedicated internet banking vendors
    • Intelligent Environments
    • Intuit' s Digital Insight
  • Specialist vendors
    • Adobe
    • EdgeIPK
    • WorkLight
• Go to Market
  • Offer single-view capabilities, whether or not the bank has undergone core renewal
    • Integration of data across product silos
  • Sell enhanced customer relationship, not Web 2.0
  • Stress the security of your technology
• APPENDIX
  • Methodology
  • Further reading
  • Ask the analyst
  • Datamonitor consulting
  • Disclaimer
• List of Figures
  • Figure 1: Broadband penetration in selected OECD countries
  • Figure 2: Banks' investment priorities show that no single channel is expected to dominate
  • Figure 3: Online banking timeline
  • Figure 4: Typical online banking service functions available to retail customers
  • Figure 5: Vendor landscape