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Banking and Bill Paying Online:
Chasing Those Digital Dollars
Growth in the number of online banking customers is slowing, but the amount of banking they do online is increasing. eMarketer estimates nearly 80 million US adult Internet users will conduct some banking activity online this year, an increase of 9.5% over 2006.
The Banking and Bill Paying Online report analyzes two major sectors of the vast and changing world of Internet financial services.
eMarketer estimates nearly 51 million people paid their bills online in 2006, and another four million will sign on this year, spurred by increases in postal rates and the marketing done by retail banks to move business online and out of call centers.
By 2011, 101 million adult Internet users will be banking online.
Key questions the "Banking and Bill Paying Online" report answers:
- Who is paying bills online?
- What keeps online customers loyal?
- Are consumers ready for mobile banking?
- Are security fears still keeping customers offline?
- And many others...
eMarketer Reports—On-Target and Up-to-Date
The Banking and Bill Paying Online report aggregates the latest data from security, marketing and communications researchers with eMarketer numbers, projections and analysis to provide the information you need to make the right business decisions—today.
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Growth in the number of online banking customers is slowing, but the amount of banking they do online is increasing. eMarketer estimates nearly 80 million US adult Internet users will conduct some banking activity online this year, an increase of 9.5% over 2006.
Executive Summary
 The State of US Online Banking, 2006 & 2007
Issues & Questions
The eMarketer View
Key eMarketer Numbers: Online Banking
US Internet Users Who Bank Online, 2006-2011 (millions and % change)
Growth Slows as Online Branches Proliferate
Online Savings Account Applications Received by US High-Yield Savings Banks, Q4 2005 & Q4 2006 (% market share)
Online Banking Customers* at the Top 10** US Banks, Q1 2004-Q4 2006 (thousands and % increase vs. prior quarter)
US Retail Bank Delivery Transaction Volume, by Channel, 2006-2010 (billions)
US Online Households that Pay at Least One Bill Online, 2002, 2005 & 2007 (% of online households)
Select Financial Products and Services Currently Offered or Planned for the Next Three Years by US Banks, October 2006 (% of respondents)
US Internet Users Enrolled in Paperless Statements Program, by Account Type, April 2007 (% of respondents)
Digital Demographics
The US Internet Population
US Internet Users, by Gender, 2006-2011 (% of population ages 3+ in each group)
US Internet Users, by Gender and Age, December 2006 (thousands and % of total)
US Internet Users, by Race/Ethnicity, 2005-2010 (% of total Internet users)
Preferred Banking Venues
Demographic Profile of US Consumers, by Banking Method Used Most Often, July 2006 (% of respondents)
US Young Adult Consumers Who Use Online Banking, April 2006 (% of respondents)
Preferred Payment Methods
Monthly Bill Payment Methods Used by US Adults, by Demographic Profile, October-November 2006 (% of respondents)
US Adult Internet Users Who Pay Bills Online* Monthly, by Gender, 2006 (millions and % of total online bill payers)
Demographic Profile of US Internet Users Who Visit Banking* Websites, March 2007 (thousands of unique visitors and % of total audience)
Affluence and Internet Use
Time Spent Online per Week by US Affluent* vs. Non-Affluent Internet Users, 2007 (median hours)
Select Online Activities of US Affluent* vs. Non-Affluent Internet Users, 2007 (% of respondents)
Consumer Behavior and Attitudes
Select Online Financial Transactions of US Adult Internet Users in the Past Year, 2000, 2004 & 2006 (% of respondents)
US Online Households Intending to File Their Federal Taxes Online, Q1 2004-Q1 2007 (% of respondents)
Online Bill-Payers Are More Satisfied
Degree of US Customer Satisfaction with Non-Online Banking, Online Banking and Online Bill Payment, Spring 2007 (100-point scale*)
Degree of US Customer Satisfaction with Non-Online Banking, Online Banking and Online Bill Payment, by Number of Bills Paid Online per Month, Spring 2007 (100-point scale*)
Degree of US Customer Satisfaction with Online Banking, by Type of Institution, Spring 2007 (100-point scale*)
Degree of US Customer Satisfaction with Online Banking and Online Bill Payment, by Select Features of Bank Websites, Spring 2007 (100-point scale*)
Incentives
Most Attractive Incentive for New Online Banking Account Enrollment according to US Internet Users, April 2007 (% of respondents)
Types of Credit Cards Used by US Adults, 2003 & 2007 (% of respondents)
Security
US Adult Internet Users Who Stopped or Will Not Start Online Banking due to Online Security Concerns, August 2006 (millions)
Industries that US Adults Believe Are Honest and Trustworthy*, 2003-2006 (% of respondents)
Consumers with Bank Accounts in Select Countries Who Are Less Likely to Sign Up or Continuing Using Online Banking Services due to the Phishing Phenomenon, December 2006 (% of respondents)
Consumers with Bank Accounts in Select Countries Who Feel More Secure Using Telephone vs. Online Banking, December 2006 (% of respondents)
US Adult Internet Users Who Have Received a Phishing E-Mail, 2004 & 2006 (millions)
US Adult Internet Users Who Have Clicked on a Phishing E-Mail, 2005 & 2006 (millions)
Consumers with Bank Accounts in Select Countries Who Would Prefer that Banks Use Better Consumer Identification or Authentication for Logging into Online Banking, December 2006 (% of respondents)
Security Methods Offered by Banks according to Consumers with Bank Accounts in Select Countries Worldwide, December 2006 (% of respondents)
Consumers with Bank Accounts in Select Countries Who Would Use a Token* and/or Personalized Image** for Authentication When Logging into Online Banking Sites, November 2005 & December 2006 (% of respondents)
The Market for Mobile Banking
Online and Mobile Banking US Households, 2006 & 2010 (millions)
Information and Communications Technology (ICT) Devices Owned by US Adults, February-April 2006 (% of respondents)
Demographic Profile of US Mobile Internet Users, March 2007 (% of respondents in each group)
Frequency of US Mobile Internet Usage via Smartphones vs. Other Mobile Devices, March 2007 (% of respondents in each group)
Content Categories Searched by US Mobile Search Users, March 2007 (% of respondents)
Interest in Mobile Banking Account Services among US Internet Users, April 2007 (% of respondents)
Related Information and Links
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Growth in the number of online banking customers is slowing, but the amount of banking they do online is increasing. eMarketer estimates nearly 80 million US adult Internet users will conduct some banking activity online this year, an increase of 9.5% over 2006.
Aite Group
American Bankers Association (ABA)
Celent
CheckFree
Compete
comScore Inc.
comScore Media Metrix
eBrain Market Research
eMarketer
Forbes
ForeSee Results
Gartner
Grant Thornton LLP
Harris Interactive
iCrossing
Ipsos
JupiterResearch
Lieberman Research Worldwide
Mintel International Group, Ltd.
Nielsen//NetRatings
Opinion Research Corporation
Pew Internet & American Life Project
Pew Research Center
RSA Security, Inc.
The Conference Board
The Marketing Workshop, Inc.
TNS
TowerGroup
Vertis
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Price: $695.00
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Price: $695.00
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