1. 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

2. OnLine Banking Statistics

3. Customer-Bank Interactions

4. Financial Services Delivery Channels

5. OnLine Banking & Electronic Commerce

6. Internet Banking Deployment

7. EC Cost Efficiencies

8. Banking Industry Performance Metrics

9. Big Banks Can Survive

10. Disintermediation Threats

11. Virtual Banks Thrive

12. Electronic Commerce Competencies
Application Development
Web Hosting
Transaction Processing
Payment Systems
Internet Access
Transport
Managed Services and Solutions

13. EC Deployment Options

14. Internet Banking Solution Offerings
On-Premises Solution
Dedicated, Off-Premises Solution
Shared, Off-Premises Solution

15. (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

16. 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

17. 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

18. Internet Banking Solution Requirements
Graphical Customer Presentation Software
Host Data Access Software
Bill Payment Transaction Processing Software
Secure Web Hosting Environment
Telecommunications Connectivity Capability

19. Internet Banking Components

20. EC Online Financial Services Enhancements

21. 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

22. 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

23. Where Do We Go From Here?
Partner
Focus
Execute
Invest
Reap
Staff