This is a small pitch that does add up, both for the vendor ad the customer, and the Internet provides the cost-viable messaging medium. Although it really isn't in a bank's interest to give up its own access to these underutilized funds, sooner or later another banker will make a better business pitch. Not only the first bank will lose me as a customer, they wil also cede a lot of goodwill for the long-term and ongoing abuse of a customer. Small things in aggregate change the course of business. Success is a not about a big bang.
Success is about the commutative effects of subtle and even small plays.
While the integration of workflows generate individually small benefits, aggregated it changes the nature of business to provide slight encouragement in changing the character and culture of business. In effect, if you are responsible for ecommerce strategy or developing banking venues for the Internet, perhaps the best avenue for success is subtlety and small plays, not the trully big Internet marquees requiring enormous ROIs that demarcate the what we all assume defined Internet business success.