The Numbers (part 2)
Published: Dec. 12, 2001: OBR 77/78
Abstract: Last month we updated our online banking forecast, noting the significant increase in usage during the past 18 months, where U.S. usage has grown approximately 50% to more than 20 million users (OBR 76, p. 5). This month we drill-down and look at specific...

Online Lending, version 4.0 (part 3)
Published: Jul. 13, 2001: OBR 73
Abstract: Originally, we had planned to conclude our look at online lending last month with the second installment. However, we found so many new innovative features at the top online mortgage lenders, we extended the report for one more month to bring you full...

Online Lending, version 4.0 (part 2)
Published: Jun. 11, 2001: OBR 72
Abstract: In Online Lending part 1 (OBR 66), we argued that banks should embrace what we called Open Lending, a strategy of guiding customers to their optimal source of credit, even if that means helping them secure a loan from another financial institution. This...

2002 Planning
Published: Jun. 5, 2001: OBR 74/75
Abstract: With the free-flow of capital shut off, it may seem like the pressure to innovate is off. We don't think so. Despite the severe downturn among consumer Internet sites and the closing of three prominent Net-only banks, WingspanBank, Security First Network...

Special Report: The Hidden Segment
Published: Apr. 26, 2001: OBR 70/71
Abstract: In this special report we'll help you analyze, justify, design, and launch an online service geared towards microbusinesses. This issue contains the executive summary of the special report, along with an analysis of two promising microbusiness solution...

Searching for Prospects
Published: Mar. 15, 2001: OBR 69
Abstract: By the time you read this, 2001 will be about 25% complete. Are you a quarter of the way to your annual goals? Presumably you sandbagged as much as possible, but you may still need a boost to get the year off to a promising start. This month we present...

After the Bubble
Published: Feb. 5, 2001: OBR 68
Abstract: Let’s face it, whether you work in it, invest in it, or simply write about it, the Internet isn’t nearly as fun as it was a year ago. But fun isn’t what banking is all about, nor what customers are looking for. It’s time to stop dreaming of a quick run-up...

2000 Year in Review
Published: Dec. 31, 2000: OBR 67
Abstract: Y2K was an interesting year. To the surprise of many, the year started without incident. The lights stayed on, the terrorists stayed home, and banks were able to move on to IT initiatives that had a positive impact on the bottom line. In the United States...

Online Lending, Version 4.0 (Part I)
Published: Nov. 27, 2000: OBR 66
Abstract: We've just witnessed the dot-com flame-outs of Mortgage.com and iOwn along with the free-fall in the share prices of most other pure online lenders. Is it time to write off the online loan marketplace as a passing fad? Hardly. Despite the rhetoric in...

Building the Amazon.com of Financial Services
Published: Oct. 13, 2000: OBR 64/65
Abstract: Whether Net-oriented brands open physical storefronts such as DirectBanking.com's Boston branch, is really a marketing question. It worked for Schwab, it will work for several Net-oriented banks, but it's not likely to be a core strategy for most. It...

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