INTERNET BANKING & ONLINE FINANCIAL SERVICES: A UNIQUE APPROACH FOR COMMUNITY BANKS Bank Customer Bank Host Bank Data Transaction Software Internet MyBank.com Web Site Firewall Server Proxy Web Server Internet Banking Application Server Internet Banking Database Server Firewall Server Optional ISP Provided Elements Service Provider Owned and Managed Elements Bank Provided and Managed Elements Calvin D. Johnson Electronic Commerce & OnLine Financial Services Consultant
OnLine Banking Statistics
Customer-Bank Interactions
Financial Services Delivery Channels
OnLine Banking & Electronic Commerce
Internet Banking Deployment
EC Cost Efficiencies
Banking Industry Performance Metrics
Big Banks Can Survive
Disintermediation Threats
Virtual Banks Thrive
Electronic Commerce Competencies Application Development Web Hosting Transaction Processing Payment Systems Internet Access Transport Managed Services and Solutions
EC Deployment Options
Internet Banking Solution Offerings On-Premises Solution Dedicated, Off-Premises Solution Shared, Off-Premises Solution
(Super Regional Bank Model) Internet Banking ON-PREMISES SOLUTION (Super Regional Bank Model) Firewall Server Proxy Web Internet Banking Application Database Bank Owned and Managed Elements Transaction Software MyBank.com Web Site Optional ISP Provided Elements Bank Customer Internet Data Bank Host
DEDICATED, OFF-PREMISES SOLUTION Internet Banking DEDICATED, OFF-PREMISES SOLUTION (Regional Bank Model) Firewall Server Proxy Web Internet Banking Application Database Service Provider Owned and Managed Elements Transaction Software MyBank.com Web Site Optional ISP Provided Elements Bank Provided and Managed Elements Bank Customer Internet Data Bank Host
SHARED, OFF-PREMISES SOLUTION (Service Bureau Model) Internet Banking SHARED, OFF-PREMISES SOLUTION (Service Bureau Model) Firewall Server Proxy Web Internet Banking Application Database Service Provider Owned and Managed Elements Transaction Software Bank 1 Data Bank 2 Bank 3 Bank n MyBank.com Web Site Bank 4 Optional ISP Provided Elements Bank Provided and Managed Elements Bank Customer Internet
Internet Banking Solution Requirements Graphical Customer Presentation Software Host Data Access Software Bill Payment Transaction Processing Software Secure Web Hosting Environment Telecommunications Connectivity Capability
Internet Banking Components
EC Online Financial Services Enhancements
Internet Banking Portal Strategy Internet Banking Quickly Becoming A Commodity Like ATMs Technology No Longer The Real Differentiator Marketing Is The Driving Force Wingspan.com Spending Over $150 Million Community Banks Must Pool Resources Competition Focussed On Real World vs.. Virtual World
Internet Banking Portal Strategy Single, Common Brand For Identity, Security, & Promotion Single Bank Charter Site For New Internet Banking Customers Participating Banks Have Equity Positions In New Internet Banking Entity Participating Banks Share In Technologies & Services Portal Technologies Serve As Gateway To Participating Banks’ Own Web Sites & Customers
Where Do We Go From Here? Partner Focus Execute Invest Reap Staff