What you are really looking at doing is changing the old business mould. Start with the customers, start with what customers need, and then develop your e-business model. Very few people actually take that approach. In the long run, this approach is not going to work. Trade has always been financed on the basis of credit.
Banks have to define the value they create for the customers.
And it is no longer just about providing the finance. Traditionally, banks have used the trust placed in them and their knowledge of risk to communicate solutions via transactions. Just implementing things via the internet does not get rid of the risk of dealing with parties that you haven't dealt with before. Banks must make people understand the risks. I believe that the banking industry missed out on a wonderful opportunity to link there.