Hello dave76-ga
There is an endless amount of information on Internet Banking. Far
from failure, these companies are alive and well. The articles,
reports, books(if you can afford their stratospheric prices) offer
months of reading on this industry.
I addressed the points of your query. Some of the reports below will
clarify that this industry has slowed, but the growth potential still
leaves them convinced of a very large consumer market (55% per one
article).
1. Internet Banking — Rationale for the Investment
http://www.drennangroup.com/Viewpoints/Internet/internet.html
The business angle...a good starting point on their concerns with IB.
2. Site for books,articles, newsletters focused on Internet Banking.
http://www.alexinformation.com/bookstore.nsf/internetbanking?openview&Count=1000
Very expensive. Perhaps the public library has these subscriptions
for those of us who haven't achieved our first billion!
3. Useful downloadable pdf files.
http://www.gomeznetworks.com/public/thought.asp?id=white
"Getting Your Money's Worth
10 Best Practices for Internet Quality Measurement. - [download PDF]
Setting the Standard
How Gómez helps enterprises identify performance benchmarks that
matter. - [download PDF]
Web Events Performance Analysis
April traffic surges caused popular tax sites to falter. - [download
PDF]
Planning for Web Events
Even though many companies view the Internet as an important business
channel, performance of their Web sites leads to alternate
conclusions. - [download PDF]
Internap Report
Gómez certified the accuracy of statistics that back up Internap's
service level agreement (SLA). - [download PDF]
"
4. Journal of Internet Banking
http://www.arraydev.com/commerce/JIBC/
The archives at this site has many articles that might interest you.
5. Online Banking Reports
http://www.onlinebankingreport.com/resources/index.html
"...have compiled some helpful information for individuals interested
in Internet banking:"
"....Looking back at the Internet gold rush, it’s clear that most of
the glitter was fool’s gold. But several rich veins of the real thing
were discovered, and none show more promise than Web banking.
Consumers have embraced it, with usage nearing 20% of U.S. households
today, and heading towards 33% within four years."
6. The Turbulent Flight of Wingspan: CIO William Wallace described the
strategies that led to the rapid rise of Wingspan. Forrester Research
analyst James Punishill discusses....
http://www.briefingbook.com/special_2.htmsome of the reasons for
Wingspan’s later troubles.
Requires a free and easy registration...just name and email address to
access the article on Wingspans triumphs and troubles.
7.Briefing Book
http://www.briefingbook.com/special_2.htm
Definitely an educational site for Internet Banking....it might be the
best place to start your research into the world of Internet Banking.
8. The Worlds Largest Internet Bank(according to their current
website!)
http://www.netbank.com/
A visit to this website reminds me of Mark Twain's remark on his
alleged passing: "The rumors of my death are greatly exagerrated!").
It seems that Netbank is thriving, or, at least, still believes it is
the greatest!
9. Internet Banking Uncoded (Juniper)
http://216.239.51.100/search?q=cache:SBRDyh_UO4UC:www.consultdove.com/article_download/InternetBanking022201.pdf+Juniper+%2BInternet+banking&hl=en&ie=UTF-8
"While Internet banking will reshape industry dynamics, to date, it
has been only marginallysuccessful, having only penetrated
approximately 13% of U.S. households. Many analystshave painted an
overly optimistic picture of the potential growth and profitability
withinthe industry over the next 12-18 months. While Dove agrees that
the industry's potentialis significant, we believe that it will be
another 24-36 months before Internet bankingachieves mainstream
status."
"Top Internet-only BanksOnline
Name Accounts
E*TradeBank 290,000
WingspanBank 206,000
NetBank 158,000
SFNB 60,000
USABancShares 40,000
CompuBank NA
Juniper Bank NA"
Useful site, but you might want to print out this report on Jupiter
rather than reading it online.
"Another example of a virtual bank adding physical points ofpresence
is Juniper Financial, an Internet-only bank-foundedby former First USA
CEO Richard Vague-that was launchedin October 2000. Juniper has
partnerships with Mail Boxes,Etc. and ATM networks. At no cost to
themselves, customersare able to send deposits via UPS overnight mail
at any of MailBoxes, Etc.'s 3,400 locations nationwide. Juniper also
givescustomers UPS 2nd day air delivery labels so that deposits canbe
sent for free from any UPS drop box in the country.Juniper also has
ATM alliances that allow their customers tomake deposits at more than
15,000 ATMs nationwide. This ispossible due to Juniper's partnerships
with various ATMnetworks in addition to deposit-sharing agreements
with severalmajor financial institution ATM owners. Although
fewfinancial institutions currently accept deposits for virtual
banks,many ATM networks already offer or are open to the idea
ofdeposit sharing"
http://216.239.51.100/search?q=cache:SBRDyh_UO4UC:www.consultdove.com/article_download/InternetBanking022201.pdf+Juniper+%2BInternet+banking&hl=en&ie=UTF-8
10.
"Security First Network Bank invented Internet banking in 1995 ....
http://www.aelita.com/products/CaseHistories/Migration/CMS_case_SFNB.htm
http://www.0-effort-online-banking.com/BankReviews/SecurityFirstNetwork.htm
Good site for review of many banks by "Gomez" including Everbank.
11. Online Banking Information
http://www.business.com/directory/financial_services/banking/online_banking/
Includes Everbank and many other online banking institutions.
My initial search was simply "Internet banking". This lead to a
multitude of sites and massive information.
My conclusion (based on those websites) is that this industry is a big
part of our future as banking customers.
Brad-ga |
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