Table 1: European Internet banking customer numbers, 2000-2002
Table 2: European Internet banking customers per capita, 2002
Table 3: Explaining the phases of the diffusion of innovation curve
Table 4: Number of branches in Europe, 2002e-2005f, by country
Table 5: Number of people per bank branch in European markets, 2002
Table 6: Merchants present in Nordea’s Solo Market
Table 7: Customers banking online with major Internet banks and banks providing Internet banking services
Table 8: Customers banking online with major Internet banks and banks providing Internet banking services, cont.
Table 9: Egg’s customer numbers, December 1999-December 2002, UK only
Table 10: Advertising spending by UK Internet banks, 1999-2002
Table 11: Targets and assumptions: La Carte Egg
Table 12: Strengths and weakness of the La Carte Egg proposition
Table 13: Markets where Nordea offers Internet banking services
Table 14: Nordea’s success at online distribution
Table 15: The development of Nordea’s Solo Internet banking services over the last 20 years
Table 16: European Internet banking customer forecasts, 2003f-2007f
Table 17: European Internet banking technology spend, 2001-2005f
Table 18: Internet banks or banking services withdrawn in 2001
Table 19: Penetration of Internet access devices in surveyed European markets, 2002
Table 20: Internet access points in surveyed European markets, 2002
Table 21: Time spent online per week by European consumers banking online
Table 22: Time spent online per week by European consumers who do not bank online
Table 23: Use of the Internet for financial services and leisure purposes by European consumers
Table 24: European consumers who bank online who state that the Internet is their preferred channel over which to purchase specified product or service
Table 25: European consumers who do not bank online who state that the Internet is their preferred channel over which to purchase specified product or service
Table 26: The opinions on their financial position of European consumers who bank online
Table 27: The opinions on their financial position of European consumers who do not bank online
Table 28: The opinions on the state of their personal finances of European consumers who bank online
Table 29: The opinions on the state of their personal finances of European consumers who do not bank online
Figure 1: Potential of channels to deliver sales, service, advice and transactions
Figure 2: In the UK and Germany more than 50 per cent of consumers accessed the Internet from home during the last 12 months
Figure 3: European Internet banking customers numbers will increase at a compound annual growth rate of 9.1 per cent between 2003 and 2007
Figure 4: More than 45 million European consumers banked online in 2002, more than 20 per cent of whom were in the UK
Figure 5: Positioning the Internet on the diffusion of innovation curve
Figure 6: Potential of channels to deliver sales, service, advice and transactions
Figure 7: Bank branch networks will continue to contract in the years to 2005 albeit not by as much as previously thought
Figure 8: The branch continues to generate more business for European banks than all other channels
Figure 9: Retail banking agent positions, 2001-2005f
Figure 10: The siloed view of banking channels must be abandoned
Figure 11: Internet banks launched in Europe in 2001 that are still operating
Figure 12: European Internet banks launched in 2002
Figure 13: European Internet banks closed in 2002
Figure 14: Animated online agents will be used most effectively in more complicated product areas
Figure 15: First Direct animated online agent – Cara
Figure 16: More than 50 per cent of consumers in the UK and Germany have a home PC with Internet access
Figure 17: In the UK and Germany more than 50 per cent of consumers accessed the Internet from home during the last 12 months
Figure 18: Consumers who bank online tend to spend longer on the Internet per week than those consumers who do not bank online
Figure 19: The Internet is ultimately used for two purposes: financial services or life administration, and leisure
Figure 20: Use of the Internet for financial services purposes is still overshadowed by use of the Internet for leisure purposes
Figure 21: Given the preferences of consumers who bank online, Internet banks are wise to offer a limited range of non-financial services
Figure 22: Consumers who bank online do generally believe that they are in a better financial position than most people their age
Figure 23: Internet banking does not seem to attract consumers who are very worried about the state of their personal finances
Figure 24: Egg’s continuing customer acquisition success in the UK
Figure 25: Egg’s advertising spend in 2002 amounted to £17.5 million
Figure 26: Battle of two Internet banking heavyweights, Bank of America and Nordea
Figure 27: Merchants from across Scandinavia are now present in the Solo Market
Figure 28: European internet banking customers will number 84.0 million by 2007
Figure 29: European Internet banking technology spend, 2001-2005 "
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