Online Banking Report (OBR) was the first publication in the field and quickly became a leading resource for banks and technology companies worldwide. Since inception, it’s been written and published by founder Jim Bruene, a former banker who’s become a leading voice in the industry. The publication continues to be an important source of unbiased guidance for financial services product managers, marketers, and C-level executives looking to improve their online products and services.
OBR subscribers have instant access to an online library of nearly 100 reports covering essential subjects such as epayments, security, pricing, online lending, account aggregation, business planning, and so on. Browse our research to see a complete list of reports.
New reports are published every six to eight weeks. Each is printed, bound, and sent to subscribers via first-class or airmail. Subscribers may also read new reports online or download them for printing (PDF format).
Most reports are 30 to 40 pages in length, organized in an easy-to-digest format with strategic advice, tactical recommendations, examples, and supporting statistics. To sample Online Banking Report, please take a moment now to register as a guest. Immediately after submitting your information, you’ll have access to several articles culled from our extensive archives.
Following is a partial list of subjects covered in previous issues of Online Banking Report (all are included in the online archives):
Electronic payments: Bill payment and presentment (EBPP); electronic funds transfers including interbank transfers (A2A, me2me); credit/debit cards; prepaid cards; gift checks; preauthorized electronic debits (ACH); electronic checks; PayPal, BidPay, and other third-party system integration; email payments (P2P); automated payment technologies; payment dashboard; international payments; virtual bill manager using account aggregation technology; messaging and alerts; premium features and benefits; website and service usability; authentication and fraud prevention; email integration; electronic invoice presentment and payment (EIPP); payments calendar; send-a-buck viral marketing; budgeting; interbank connectivity; usage sweepstakes and ongoing rewards.
Online lending: One-click lending; mortgage originations, refinances, home equity secured loans/lines, auto, and other Web-based loan applications; interactive loan application forms; preapproved credit offers and acceptance; revolving credit and credit cards; overdraft protection; loan application status functions; online loan servicing; virtual credit manager using account aggregation technology; messaging and alerts; premium (VIP) features; customized (1to1) products; blank-check auto lending; lending microsites; bill-pay credit lines; line increase programs; real-time balance transfers; credit report and fraud monitoring; CRA friendly activities; website usability and trust; privacy policy and visible reassurances; open source lending; business case and profitability; sub-prime lending and referrals; e-statements; payment calculators and amortization schedules; credit insurance; rate alerts.
Transaction accounts: Electronic statements; checking accounts; credit and debit accounts; prepaid cards; virtual transaction accounts; electronic checkbook; download functions; online transaction archives; check images; online statements; Internet-optimized accounts; messaging and alerts; premium features; website usability and trust; real-time deposit options; remote paper check scanning; authentication and fraud prevention; PC direct-to-desktop services; custom toolbars and browser plugins; account-to-account (interbank) transfers; electronic payment integration; long-term archives; year-end statements on digital media.
Online banking product design: Account aggregation technology; activation and usage; marketing and promotion; pricing; planning; business case; e-service; security and password management; customization and personalization; messaging and alerts; premium service offerings (Gold, Platinum); online banking and payments interactive dashboard; website usability and trust; branded browser and desktop extensions; integration with Quicken, Microsoft Money, and other software programs; read-only access; browser plug-ins and toolbars.
Customer service: Consumer preferences; self-service; call deflection; email deflection; messaging and alerts; queue management; service levels and guarantees; turnaround time; response management; everyday essentials such as time and temperature; problem escalation; small and microbusiness needs; personal e-bankers; customization and personalization; password resets; premium (VIP) service offerings; website ease-of-use; customer feedback mechanisms; live chat and IM options; toll-free support integration.
Security: Managing security perceptions; security education and website features; password structure and reset procedures; third-party endorsements and links; messaging and alerts; guarantees and procedures; suspicious activity reporting; monitoring the Web for fraud; domain name defense; fraudulent account access and keystroke logging; premium security options; premium security options; virtual account deadbolts and lock-down option; two-factor authentication; token-based access; virtual PIN pads; phishing and spoofed Websites; IP geolocation techniques and opportunities; anti-virus, spyware removers, and other software protection programs; enlisting the support of end users to fight fraud.
Investment and deposit accounts: Savings accounts, time deposits (CDs), foreign currency, bonds, money market accounts, sweep accounts, mutual funds, and other investment accounts; conservative and value investment vehicles; messaging and alerts; website usability; asset allocation; portfolio management; company news and alerts; indexed mutual funds and deposit vehicles; inflation adjusted products; “coffee house” investors; life-cycle investing; brokerage services.
Sales and marketing: Email marketing; online product applications and forms; branding; calculators and worksheets; website usability and effectiveness; CRM; pricing options; premium service bundles; cross-selling; local community services; live chat and IM sales support; marketing-oriented email newsletters and alert services; search engine keyword marketing; search engine optimization; landing pages; direct marketing integration; sweeps and other traffic-building promotions; banner and rich-media advertising; site sponsorships; affiliate marketing; Web-based public relations; branch-based programs and visibility; lead development and capture; send-a-buck viral marketing; generating positive word-of-mouth and referrals; protecting against negative word-of-mouth; portal myths; kiosk and remote terminals; non-financial content such as local news, events, and weather.
Small- and micro-business accounts: Accounts receivable and billing management; accounts payable and payments management; integration with Quicken/QuickBooks and other software programs; customer service; security and privacy; messaging and alerts; account management; commercial lending; virtual business banker; accounting services; virtual CFO/Bookkeeper; expense report management; value-added fee-based services; website effectiveness; wealth management and investments; sweep and other business oriented accounts; payroll and other employee payments and reimbursements; tax payments; merchant services; alternative capital options and resources; credit and D&B report access.
Fee-based services: Online money orders; credit reports; credit bureau and fraud monitoring; guaranteed payments; expedited and trackable services (FedEx); real-time transfers; foreign exchange; long-term image and transaction archives; premium service offerings; accounting and financial management services; small- and micro-business services; insurance and risk reduction products; virtual safe deposit and other backup services.
Best of Web winners: Several times each year a new online feature “raises the bar” and is designated an OBR Best of the Web; past winners include: E*Trade Bank, Pennsylvania State Employees Credit Union, Wells Fargo, Everbank, Lending Tree, IndyMac, First National Bank (South Africa), Barclays Bank (UK), Bank of Montreal, and more than 40 other companies.
Strategic and business planning: Annual planning guide with more than 500 ideas and tactics; industry statistics; research results; proprietary forecasts; consumer preferences; website traffic and trends; best online financial services sites.
Statistics and forecasts: Every report contains dozens of tables and supporting statistics; a total of nearly 1000 tables located in the online archives; 10-year proprietary forecast by product; online banking usage and penetration figures; market size estimates; website traffic
Thursday, June 14, 2007
Online Financial Innovations
All Access (AA) is the premium level service from Online Financial Innovations. It includes subscriptions to all publications plus full archive access and the additional benefits outlined below. If you are determined to maximize the returns from your online investments, you should be an All-Access subscriber.
All-Access subscribers enjoy the following benefits:
Subscription to Online Banking Report: Comprehensive and detailed reports on the delivery of banking, payment, and lending services; delivered via mail every six to eight weeks. (Click link above to see full description.).
Subscription to Financial Marketing Report: Timely and concise briefings on important online marketing, sales, and product innovations; delivered to your inbox or newsreader most business days. (Click link above to see full description.)
Access to the Interactive Marketing Database: Packed with examples of email and online marketing campaigns from major financial services companies. The database began in late 2006, and will have approximately 100 new entries each month.
Extensive archives: Access to more than 2500 pages of searchable market intelligence and analysis to support your brainstorming, business/marketing planning, and executive presentations.
Analyst access: Founding editor Jim Bruene and other Financial Innovations analysts will answer your questions (first hour complimentary).
Custom website evaluation: Complimentary analysis of your website with five to ten suggestions for improvement. Also, receive priority scheduling for a full custom analysis if interested (professional fees apply).
To sample Online Financial Innovations All Access, please take a moment now to register as a guest. Immediately after submitting your information, you’ll have access to several articles culled from our extensive archives.
All-Access subscribers enjoy the following benefits:
Subscription to Online Banking Report: Comprehensive and detailed reports on the delivery of banking, payment, and lending services; delivered via mail every six to eight weeks. (Click link above to see full description.).
Subscription to Financial Marketing Report: Timely and concise briefings on important online marketing, sales, and product innovations; delivered to your inbox or newsreader most business days. (Click link above to see full description.)
Access to the Interactive Marketing Database: Packed with examples of email and online marketing campaigns from major financial services companies. The database began in late 2006, and will have approximately 100 new entries each month.
Extensive archives: Access to more than 2500 pages of searchable market intelligence and analysis to support your brainstorming, business/marketing planning, and executive presentations.
Analyst access: Founding editor Jim Bruene and other Financial Innovations analysts will answer your questions (first hour complimentary).
Custom website evaluation: Complimentary analysis of your website with five to ten suggestions for improvement. Also, receive priority scheduling for a full custom analysis if interested (professional fees apply).
To sample Online Financial Innovations All Access, please take a moment now to register as a guest. Immediately after submitting your information, you’ll have access to several articles culled from our extensive archives.
Financial Marketing Report
Financial Marketing Report: Strategies for the Internet (FMR) is designed for executives charged with increasing sales from the online channel. The report includes concise, timely intelligence to support online financial services marketing.
Subscribers receive four to six informative and highly relevant articles each week via email and/or RSS feed. At month-end, a full-color printed version is available to subscribers in PDF or printed form.
Financial Marketing Report is edited and primarily written by founder Jim Bruene. In addition, carefully selected guest columnists also contribute their expertise from time to time. Articles are concise, easy-to-read, and highly relevant for financial services companies looking to increase sales and exposure online. Subscribers also receive our 50-page Planning Guide each September.
To sample Financial Marketing Report, please take a moment to register now as a guest. Immediately after submitting your information, you’ll have access to several articles culled from our extensive archives.
Following is a partial list of subjects covered in Financial Marketing Report:
Email marketing techniques and strategies
Effective loan and product applications
Online forms/applications development
Branding in cyberspace
Generating and capturing leads
User-friendly calculators and worksheets
Responding to negative publicity online
Market size and projections
Important factors effecting Website usability and effectiveness
Pricing options and strategies
Bundling online services into fee-based premium options
Cross-selling credit lines and other products interactively
Using local community news, information, and events to drive prospects to the website and/or into the branch
Using live chat and instant messaging to improve sales
Saving loan and product applications in process
Developing sales- and marketing-oriented email newsletters and alert services
Search engine marketing on Google and others
Optimizing your website for maximum search engine visibility
Creating effective landing pages to move lookers to buyers
Supporting and integrating your website with your traditional direct marketing efforts
Using sweepstakes and other promotions to drive traffic
Effective banner and rich-media advertising
Subtle, but effective techniques for promoting your own services within your website and online banking application
Sponsoring content at outside websites
Things to avoid when marketing through affiliates
Web-based public relations
Branch-based marketing and sales promotions and strategies
Viral marketing for payment products
Generating more customer referrals
Engendering positive word-of-mouth and protecting against negative word-of-mouth
Leveraging kiosks and remote terminals in the post-Check 21 world
Using non-financial content such as local news, events, and weather to drive traffic and improve customer satisfaction
Marketing metrics to help benchmark your efforts
Subscribers receive four to six informative and highly relevant articles each week via email and/or RSS feed. At month-end, a full-color printed version is available to subscribers in PDF or printed form.
Financial Marketing Report is edited and primarily written by founder Jim Bruene. In addition, carefully selected guest columnists also contribute their expertise from time to time. Articles are concise, easy-to-read, and highly relevant for financial services companies looking to increase sales and exposure online. Subscribers also receive our 50-page Planning Guide each September.
To sample Financial Marketing Report, please take a moment to register now as a guest. Immediately after submitting your information, you’ll have access to several articles culled from our extensive archives.
Following is a partial list of subjects covered in Financial Marketing Report:
Email marketing techniques and strategies
Effective loan and product applications
Online forms/applications development
Branding in cyberspace
Generating and capturing leads
User-friendly calculators and worksheets
Responding to negative publicity online
Market size and projections
Important factors effecting Website usability and effectiveness
Pricing options and strategies
Bundling online services into fee-based premium options
Cross-selling credit lines and other products interactively
Using local community news, information, and events to drive prospects to the website and/or into the branch
Using live chat and instant messaging to improve sales
Saving loan and product applications in process
Developing sales- and marketing-oriented email newsletters and alert services
Search engine marketing on Google and others
Optimizing your website for maximum search engine visibility
Creating effective landing pages to move lookers to buyers
Supporting and integrating your website with your traditional direct marketing efforts
Using sweepstakes and other promotions to drive traffic
Effective banner and rich-media advertising
Subtle, but effective techniques for promoting your own services within your website and online banking application
Sponsoring content at outside websites
Things to avoid when marketing through affiliates
Web-based public relations
Branch-based marketing and sales promotions and strategies
Viral marketing for payment products
Generating more customer referrals
Engendering positive word-of-mouth and protecting against negative word-of-mouth
Leveraging kiosks and remote terminals in the post-Check 21 world
Using non-financial content such as local news, events, and weather to drive traffic and improve customer satisfaction
Marketing metrics to help benchmark your efforts
Financial Marketing Database
Financial Marketing Database
New Customers or Renewing Subscribers: Choose the appropriate subscription level and click the Add to Cart button. For a complete explanation of our subscription options, click here.
Increasingly the financial services companies are leveraging interactive marketing methods, email, web-based and kiosk/ATM, to increase market share. Our newest product The Interactive Financial Marketing Database provides a ready reference of the latest campaigns by leading financial services companies. The database includes examples of emails, search ads, banners, and other advertisements used by banks, credit unions, credit card issuers, insurance companies, brokerages, credit bureaus and other financial services companies. The examples are culled primarily from major U.S.-based financial firms.
Products include:
Credit cards
Prepaid cash and debit cards
Checking accounts
Bill payment, electronic funds transfers and other epayment services
Home equity, vehicle and other types of loans
Mortgages and refis
Credit reports, credit bureau monitoring and identity theft protection services
Savings accounts and other deposit products
Small and microbusiness services
Fee-based and misc services
Security and privacy services
Misc. customer service announcements
Personal finance services
Electronic statements and archives
Alerts and other electronic messages
New Customers or Renewing Subscribers: Choose the appropriate subscription level and click the Add to Cart button. For a complete explanation of our subscription options, click here.
Increasingly the financial services companies are leveraging interactive marketing methods, email, web-based and kiosk/ATM, to increase market share. Our newest product The Interactive Financial Marketing Database provides a ready reference of the latest campaigns by leading financial services companies. The database includes examples of emails, search ads, banners, and other advertisements used by banks, credit unions, credit card issuers, insurance companies, brokerages, credit bureaus and other financial services companies. The examples are culled primarily from major U.S.-based financial firms.
Products include:
Credit cards
Prepaid cash and debit cards
Checking accounts
Bill payment, electronic funds transfers and other epayment services
Home equity, vehicle and other types of loans
Mortgages and refis
Credit reports, credit bureau monitoring and identity theft protection services
Savings accounts and other deposit products
Small and microbusiness services
Fee-based and misc services
Security and privacy services
Misc. customer service announcements
Personal finance services
Electronic statements and archives
Alerts and other electronic messages
Financial Marketing Report
Financial Marketing Report
New Customers or Renewing Subscribers: Choose the appropriate subscription level and click the Add to Cart button. For a complete explanation of our subscription options,
Launched in 2004, Financial Marketing Report: Strategies for the Internet (FMR) is designed for executives charged with increasing sales from the online channel. The report includes concise, timely intelligence to support online financial services marketing.
Subscribers receive four to six informative and highly relevant articles each week via email and/or RSS feed. At month-end, a full-color printed version is available to subscribers in PDF or printed form.
Financial Marketing Report is edited and primarily written by founder Jim Bruene. In addition, carefully selected guest columnists also contribute their expertise from time to time. Articles are concise, easy-to-read, and highly relevant for financial services companies looking to increase sales and exposure online. Subscribers also receive our 50-page Planning Guide each September.
To sample Financial Marketing Report, please take a moment to register now as a guest. Immediately after submitting your information, you’ll have access to several articles culled from our extensive archives.
Following is a partial list of subjects covered in Financial Marketing Report:
Email marketing techniques and strategies
Effective loan and product applications
Online forms/applications development
Branding in cyberspace
Generating and capturing leads
User-friendly calculators and worksheets
Responding to negative publicity online
Market size and projections
Important factors effecting Website usability and effectiveness
Pricing options and strategies
Bundling online services into fee-based premium options
Cross-selling credit lines and other products interactively
Using local community news, information, and events to drive prospects to the website and/or into the branch
Using live chat and instant messaging to improve sales
Saving loan and product applications in process
Developing sales- and marketing-oriented email newsletters and alert services
Search engine marketing on Google and others
Optimizing your website for maximum search engine visibility
Creating effective landing pages to move lookers to buyers
Supporting and integrating your website with your traditional direct marketing efforts
Using sweepstakes and other promotions to drive traffic
Effective banner and rich-media advertising
Subtle, but effective techniques for promoting your own services within your website and online banking application
Sponsoring content at outside websites
Things to avoid when marketing through affiliates
Web-based public relations
Branch-based marketing and sales promotions and strategies
Viral marketing for payment products
Generating more customer referrals
Engendering positive word-of-mouth and protecting against negative word-of-mouth
Leveraging kiosks and remote terminals in the post-Check 21 world
Using non-financial content such as local news, events, and weather to drive traffic and improve customer satisfaction
New Customers or Renewing Subscribers: Choose the appropriate subscription level and click the Add to Cart button. For a complete explanation of our subscription options,
Launched in 2004, Financial Marketing Report: Strategies for the Internet (FMR) is designed for executives charged with increasing sales from the online channel. The report includes concise, timely intelligence to support online financial services marketing.
Subscribers receive four to six informative and highly relevant articles each week via email and/or RSS feed. At month-end, a full-color printed version is available to subscribers in PDF or printed form.
Financial Marketing Report is edited and primarily written by founder Jim Bruene. In addition, carefully selected guest columnists also contribute their expertise from time to time. Articles are concise, easy-to-read, and highly relevant for financial services companies looking to increase sales and exposure online. Subscribers also receive our 50-page Planning Guide each September.
To sample Financial Marketing Report, please take a moment to register now as a guest. Immediately after submitting your information, you’ll have access to several articles culled from our extensive archives.
Following is a partial list of subjects covered in Financial Marketing Report:
Email marketing techniques and strategies
Effective loan and product applications
Online forms/applications development
Branding in cyberspace
Generating and capturing leads
User-friendly calculators and worksheets
Responding to negative publicity online
Market size and projections
Important factors effecting Website usability and effectiveness
Pricing options and strategies
Bundling online services into fee-based premium options
Cross-selling credit lines and other products interactively
Using local community news, information, and events to drive prospects to the website and/or into the branch
Using live chat and instant messaging to improve sales
Saving loan and product applications in process
Developing sales- and marketing-oriented email newsletters and alert services
Search engine marketing on Google and others
Optimizing your website for maximum search engine visibility
Creating effective landing pages to move lookers to buyers
Supporting and integrating your website with your traditional direct marketing efforts
Using sweepstakes and other promotions to drive traffic
Effective banner and rich-media advertising
Subtle, but effective techniques for promoting your own services within your website and online banking application
Sponsoring content at outside websites
Things to avoid when marketing through affiliates
Web-based public relations
Branch-based marketing and sales promotions and strategies
Viral marketing for payment products
Generating more customer referrals
Engendering positive word-of-mouth and protecting against negative word-of-mouth
Leveraging kiosks and remote terminals in the post-Check 21 world
Using non-financial content such as local news, events, and weather to drive traffic and improve customer satisfaction
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