I’ve heard every excuse in the book – our members/customers are not internet enthusiasts, our web site gets very few hits, a small percentage of account holders use online banking or bill pay, we’re worried about online security, and the number one excuse — compliance. Those are ALL excuses and none are legitimate reasons to stay away from improving and adding electronic banking services.
I stopped at our local sandwich shop to pick up lunch the other day. A tiny family-owned store, 2 employees — not the place I would expect to find a technological breakthrough. Yet, it happened. Behind the sales counter, a toddler (the daughter of the shop owner) was sitting at an unused counter, interacting with an iPad.
Between iPhones, Blackberries, and Droids, mobile phones are clearly not just phones any more. Some staggering statistics have been published recently. As of December 2009, 21% of U.S. wireless subscribers had a smartphone, compared to 14% at the end of 2008. According to Nielsen, U.S. smartphone penetration will exceed 50% in 2011. What does this mean for marketers?
I’m surprised at what I view as financial institution’s slow adoption of Extended Validation Security Certificates. Extended Validation Security Certificates give visitors an easy and reliable way to establish trust online by triggering high security web browsers to display a green address bar with the name of the organization that owns the SSL Certificate.