No Phishing
Published: Dec. 19, 2003: OBR 102
Abstract: In earlier reports, we looked at long-term strategies to improve security and prevent unauthorized account access from ID thieves and mass phishers (see OBR #100/101, #93/94). This report looks specifically at recent user education efforts against fake...

Financial Website Usability: Homepage
Published: Oct. 27, 2003: OBR 100/101
Abstract: Six or seven years ago, financial institutions would sometimes post non-transactional websites costing a few hundred dollars. The ante has risen considerably. Some banks are spending six figures just testing their sites. Yet, we have found that many...

Report Excerpt -- Financial Website Usability: Homepage
Published: Oct. 26, 2003: EXCERPT 100
Abstract: To view a sample of this report, signup for a free trial. To purchase the full report or learn more about it, click here. Online Banking Report and All Access subscribers may access the full report after logging in to their accounts and clicking...

2004/2005 Planning Guide
Published: Sep. 15, 2003: OBR 98/99
Abstract: Our ninth annual Planning Guide is packed with more than 500 ideas and tactics you can use to improve the effectiveness and profitability of your online initiatives. Tactics are organized by product within the two major retail banking segments, consumer...

Report Excerpt: 2004/2005 Planning Guide
Published: Sep. 14, 2003: EXCERPT 98
Abstract: To view a sample of this report, signup for a free trial. To purchase the full report or learn more about it, click here. Online Banking Report and All Access subscribers may access the full report after logging in to their accounts and clicking...

Account Aggregation 3.0
Published: Jul. 31, 2003: OBR 96/97
Abstract: Account aggregation has had its ups and downs. In its current form, the technology will only be used by 15% to 20% of U.S. households. However, we believe it is about to become an enabling technology for a new breed of premium online services that will...

Online Micro-marketing
Published: Jun. 7, 2003: OBR 95
Abstract: Most financial institution websites do a reasonably good job closing the sale. The challenge now is to increase the flow of qualified prospects. With more than 300 million searches conducted each day worldwide (Table 1), the best place to find new customers...

Security & Privacy (part 2)
Published: Apr. 8, 2003: OBR 93/94 Part 2
Abstract: A look at the security areas of the largest 40 retail banks in the United States. A companion to OBR 93/94 (part 1).

Security & Privacy
Published: Apr. 8, 2003: OBR 93/94 Part 1
Abstract: In the developed world, consumers and businesses look to banks to safeguard their assets, especially cash deposits and valuable documents. Similarly, in an age of global hacking and 24/7 access, users are looking for someone to safeguard their financial...

Electronic Messaging & Statements
Published: Feb. 14, 2003: OBR 91/92
Abstract: The inbox is a key to serving online customers profitably. It’s where your customers will be reminded to pay bills or bump up credit lines. Urgent emails to home and work will notify them when balances have dropped perilously low or if someone in Timbuktu...

2002 In Review
Published: Jan. 13, 2003: OBR 90
Abstract: 2002 was marked more by execution than innovation. Many of the best online providers made significant Web-usability improvements, but didn’t expand the basic feature-set. A striking exception is Charter One Bank, which launched a number of new features...