This Financial Insights study examines the current Internet banking landscape in the United States, setting the stage with a review of the Internet banking evolution in the last decade. We also present a forward-looking view on Internet banking, both on the domestic front and in terms of opportunities for both vendors and financial institutions in international markets. This study also analyzes the top 10 U.S. banks, as defined by assets under management, presenting the Internet banking penetration within consumer banking for each.

According to Karen Massey, senior research analyst, Consumer Banking and Credit, "Analysis of the Internet banking landscape and success at the top of the industry provides financial institutions with benchmarking capability in the channel and vendors' perspective into online banking strategies and opportunities in this space."