Account Aggregation 3.0

Author Jim Bruene Published Jul. 31, 2003; OBR 96/97 Pages 36 pages; 30 tables; 15,000+ words Format Printed and PDF (Word by request) Size 3.6MB

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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 prove both popular and profitable. The new modular form of account aggregation will be used by the majority of online bankers by the end of the decade. Other Subjects: - Real-time transfers from E*TradeBank earn and OBR Best of the Web 2003 - Security Alert: Keyloggers torment banks on three continents - ABSA’s keypad designed to defeat keylogging Contents Account aggregation: enabling technology for premium online services A better value proposition: the case for modular account aggregation Sizing the market Where’s the ROI? 15 ways to make the case Risks Marketing aggregation services 6 steps for those NOT offering aggregation Outsourcing Op Ed: The calm after the storm – By James Van Dyke Case Studies: Aggregation in action -- National City Bank & Yodlee -- Wells Fargo & Teknowledge -- Online Resources & CashEdge -- Lockheed Federal Credit Union & uMonitor Best of the Web: E*TradeBank implements real-time transfers Security Alert: Keyloggers torment banks on three continents 34 Innovations: ABSA’s login keypad designed to defeat keylogging

Companies mentioned: Absa, Adhesion Technologies, Advent Software, ByAllAccounts, CashEdge, Citibank, E*Trade (Etradebank), Fiserv, Javelin Strategy & Research, Lloyds TSB, Lockheed Federal Credit Union, Metavante, myciti.com, National City Bank, NextCard, Online Resources, StatementOne, Teknowledge, uMonitor, Wells Fargo, Yahoo Finance, Yodlee.