1. E-Banking EBUS 400 Javier Valenzuela, Lyrae Perry, Adan Raya, Rania Sarraf, Scott Pochurek

2. E-Banking Banking web sites reviewed: Bank of America Bank of America Wells Fargo Wells Fargo Washington Mutual Washington Mutual

3. Look and Feel  Bank of America: Invokes feelings of family and caring. Too much advertising http://www.bankofamerica.com http://www.bankofamerica.com  Wells Fargo: Very direct and to the point, appeals to time maximization http://www.wellsfargo.com http://www.wellsfargo.comhttp://www.wellsfargo.com

4. Look and Feel  Washington Mutual: inviting and friendly, but also simple and effective: http://www.wamu.com http://www.wamu.comhttp://www.wamu.com

5. Online Privacy Various Options Languages 24 hour service

6. Brick & Mortar Cash Face to Face communication Sense of security

7. Marketing Product placement Promotes all products in one place Planning kit: new to banking, bring your banking online, switching banks ( Washington Mutual only )

8. Customer Service Customer Service or “contact us” link Toll free phone numbers Secure email links FAQs

9. Legal, Ethical & Regulatory Issues US Banking system regulated by a complex set of federal and state laws Many developments have affected the entire banking industry No broad and consistent domestic and international regulation for e-commerce and e-banking

10. Ethics & Profit E-banking is primarily B2C focused B2B E-banking is not being pursued by banks Ethical behavior is lacking in the B2B sector more than in the B2C

11. E-Banking ConclusionQuestions