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Research Questions Covered in this 37 Page Consumer and Competitive Study Include:

• Are consumers more or less comfortable with security on the Internet than they were 12 months ago?
• What types of financial activities do consumers perform online?
• Have consumers used the Internet to gather information on any financial products or services? How did they utilize the Internet for their search? Do consumers click on promotional boxes appearing at the top, bottom or side of a search engine results page? Have consumers used an online search engine (Bankrate.com) to comparison shop rates or account features?
• What percentage of consumers have an online banking service offered at their primary financial institution? Overall, what percentage of consumers use an online banking service?
• What methods of paying monthly bills are used most by consumers?
• What online products and services do consumers use, and what are they likely to use in the next year?
• What percentage of consumers have Web-enabled cell phones? Who pays the bill for the Web-enabled cell phone? What is the likelihood of consumers adding Internet access or purchasing a Web-enabled cell phone in the next 12 months?

Table of Contents

• Industry Trends in Online Banking
• Competitive Action Summary
• Household Computer Access & Usage
• The Trend in Comfort with the Security Level on the Internet
• The Financial Activities that Consumers' Perform Most Often Online
• Awareness of Primary Financial Institution's Online Banking Services
• Consumers' Responsiveness to Promotional Boxes on the Internet
• Consumers' Use of Online Search Engines
• Consumers' Awareness & Usage of Online Banking
• The Consumer's Preferred Method for Paying Bills
• The Use & Interest in Smart Phones Used for Online Banking
• Likelihood to Purchase Smart Phone in Next 12 Months
• Summary of Key Findings

Methodology

Commissioned by over 200 financial institution clients of the Raddon Financial Group (RFG), this syndicated research study explores consumer demand and usage of online banking and e-commerce.

Based upon 1,175 survey responses of a randomly drawn sample of members of a nationally representative direct mail panel, the consumer responses used in this study were weighted to reflect the nation’s demographic composition. The study’s confidence interval for any proportion gathered in the survey is in a range of 1.6% to 2.9% at the 95% level of confidence.

Optional Data Tabulations

RFG will provide a customized set of data tabulations using a segmentation scheme based on specific variables.