Table of Contents
- Overview
- Primary Questions
- Findings and Analysis
- Declining Adoption Rate For Online Banking Requires Enhanced Functionality
to Draw Additional Customers
- Two-Stage Implementation of Online Banking PFM
- Stage 1: Segmentation: Focus on High-value Customers First
- Stage 2: Put Cross-Institution Aggregation on the Roadmap
- Mass Adoption of Online Banking PFM - A Long-Term Goal
- Demonstrate Value to Stimulate Uptake
- Insights into the PFM User
- Current PFM Users - Demonstrated Value in Pre-categorized Expenses
Consolidation
- Age - Look to Younger Consumers for Online Banking PFM Acquisition or
Retention Strategies
- Income Level - Valued Features Differ across Groups
- Aggregating Across Institutions Provides Value and Increases Retention
- Online Banking PFM and Web-based PFM: What' s the Real Difference?
- Related Research
- Appendices
Table of Figures
- Figure 1: Number of Consumers Engaging in Online Banking 2003 to 2007
- Figure 2: Development Stages for Implementing Online Banking Personal
Financial Management
- Figure 3: Most Valued Features for Managing Finances
- Figure 4: Methods Used to Budget or Manage Finances
- Figure 5: PFM Users' Most Valued Features for Managing Finances
- Figure 6: Methods Used for Managing Finances by Age
- Figure 7: Most Valued Features for Managing Finances by Income
- Figure 8: Likelihood to Remain a Customer if Offered Online Banking PFM by
Income
- Figure 9: Most Valued Features for Managing Finances by Age
- Figure 10: Likelihood of Remaining a Customer because of Online Banking
PFM by Age
- Figure 11: Likelihood of Consolidating Finances by Income
- Figure 12: Effect of Online Banking on Usage Habits
- Figure 13: Reasons for Switching Banks
- Figure 14: Important Criteria for Selecting a New FI
- Figure 15: Reasons for Adopting Online Banking
- Figure 16: Motivators for Viewing More Bills Online
- Figure 17: Longitudinal Usage of Quicken or Money Personal Finance Software
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