Conn. Products most in demand include cash management, bill presentment and payment, credit services and money markets.
Companies expect multi-product platforms.
While most bank Web sites are still single-product oriented, substantial demand exists for an integrated Web site where users can obtain information and initiate transactions for multiple products and services. The Internet is primed to become an important channel for customer service, value-chain integration, and remote access for banks that can capitalize. So far, however, no clear innovator has emerged from among U.S. commercial-banking leaders, says Greenwich. Banks need to beef up Web offerings if they are to become primary portals. Companies cite transaction initiation, real-time multibank access, wireless access, customization and links to internal information as very important features if bank Web sites are to become their main gateway to the Internet.