UK eBanking

• Summary

• Four percent bank online
  
  • The 25-34age group are themostactive online bankers
    
  • Checking current account balances is the most popular online banking activity

Chapter 2 Internet use

• Home Internet use grows
  
• The majority of home Internet users have been online for less than a year
  
• Experimenting with the net? Most home Internet users, go online less than three
  times a week
  
• Respondents were less keen to bank online fromwork than fromhome
  
• Internet usage at work i s more established and frequent then home Internet use

Chapter 3 Internet search

• Customers need to be 'guided' through the online buying process
  
• Banking services are the most popular financial service for which information
  is searched for online
  
• Internet users like to 'shop around'
  
• Lack of security on the Internet: Reality or media hype?

Chapter 4 Saving accounts online

• Ability to monitor investment performance would most encourage respondents
  to apply online for a savings account

Chapter 5 Alternative Online Banking
Channels

• The home PC dominates online banking
  
  • Possible impact of mBanking
    
  • Digital TV growth
    
  • Movies on demand and more educational channel s would encourage a greater
    take-up of digital set top boxes
  
  
  
• Over 50%of those with a mobile phone would use it to send emails if their
  phone company offered this service
  
• Saving accounts offline
  
• The bank branch re mains the most important supply channel for banking
  services
  
• Convenience was the most important factor used to choose saving account
  providers
  
• Visiting the bank branch remains the important means of contacting a
  saving account provider
  
• Two thirds of saving account holders have not considered changing service
  providers

Chapter 6 Tables

• Online Bankers
  
• Online Banking Activities
  
• Home Internet use
  
• How long have you been using the Internet at home?
  
• How long/often do you spend/go online at home?
  
• Internet use at work
  
• How long/often do you spend/go online at work?



• Internet search
  
  • Average number of websites accessed
    
  • Internet purchasing
  
  
  
• Saving accounts
  
• Non Internet
  
  • Which Internet access method do you use to bank online?
  
  
  
• Digital TV
  
  • What would encourage you to subscribe to digital TV
    
  • Would you use the following service if their mobile phone company offered
    them
  
  
  
• Saving accounts
  
  • Sources of information used to research the last saving and investment product
    bought
    
  • How did you choose your service provider from whom you last obtained a
    savings account?
    
  • Which method have you used in the last 3 months to contact you service
    provider
    
  • Have you considered changing providers?
    
  • Reasons for considering changing providers
    
  • Main reason for not changing providers

List of Figures

• Figure 1.1: Percentage banking online - by age group
  
• Figure 1.2: Percentage banking online - by age group
  
• Figure 1.3: Percentage banking online - by social class
  
• Figure 1.4: Percentage banking online - by social class
  
• Figure 1.5: Percentage banking online - by gender
  
• Figure 1.6: Percentage banking online - by age finished education
  
• Figure 1.7: Which online activities are performed
  
• Figure 2.8: What do you use the Internet for at home?
  
• Figure 2.9: Percentage banking online from the Internet at home - by age group
  
• Figure 2.10: How long have you been using the Internet at home?
  
• Figure 2.11: What do you use the Internet at work for?
  
• Figure 3.12: Percentage of Internet user search for each product area
  
• Figure 3.13: Which products have Internet users ordered online
  
• Figure 4.14: Research method used to look for information on saving accounts
  
• Figure 4.15: What would encourage you to apply online for a saving account
  
• Figure 5.16: Which Internet access method do you use to bank online?
  
• Figure 5.17: Which activities do you use you Digital set-top box for
  
• Figure 5.18: Which services would you use if your phone company offered them
  
• Figure 5.19: Which method did you use to research the last saving and investment product that you
  bought?
  
• Figure 5.20: How did you choose the company/provider you used?
  
• Figure 5.21: Which method have you used in the last 3 months to contact your service provider?
  
• Figure 5.22: What did you do when you went to the bank in the last 3 month?