If you answered yes to more than 1 of these questions than you may want to look more into online banking. This is not easy to answer. According to an analyst at TowerGroup, looking strictly at online bill payment would lead you to believe that it is very profitable. Something else to think about. Here's some excerpts.
Money is increasingly digital, packets of data circulating in global networks.
The electronic economy is weaving the digital and physical worlds together faster than anything else. The demand for more sophisticated ways to manipulate money is forcing computing to go where money goes, whether in a trader's workstation, a smart card in a wallet, or a thinking vending machine. Freeing money from its legacy as a tangible asset carries with it great promise to make the economy more accessible to more people, but we'll be in trouble if we continue to act as if money is worth something. The bits of electronic cash still retain a vestigial reflection of their origin in the atoms of scarce resources. If a competing car dealer lowers the price on a car the day after you bought one at another dealer across town, that information can automatically initiate a transfer between your dealer's bank account and yours to refund the difference.