Markets & Distribution Channels Research Report Series. Redefining an Industry: Online Banking & Mortgages
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1 Markets & Distribution Channels Research Report Series Redefining an Industry: Online Banking & Mortgages January 2011
2 TABLE OF CONTENTS INTRODUCTION, KEY FINDINGS, & EXECUTIVE SUMMARY...12 A SYNOPSIS OF FINANCIAL SERVICES INDUSTRY MARKETS & DISTRIBUTION CHANNELS...34 EVOLUTION OF THE ONLINE BANKING & MORTGAGE INDUSTRY...81 Market History...81 Online Only Banks Emerge Phase...81 Traditional Banks Add Web Presence Phase...81 Online Only Banks Rolled In Phase...81 Online Only Banks Re-Emerge Phase...82 Market Definition...90 Traditional Banks Online Offers...90 Online Only Banks...90 Online Mortgage Companies...90 Market Growth...91 Firms...91 Offices...91 Branches...91 Clients...91 Accounts...91 Loans...91 Loans...92 Deposits...92 Revenues...92 Net Profits...92 Leading Online Banking & Mortgage Companies...92 Offices...92 Branches...92 Clients...92 Accounts...93 Loans...93 Loans...93 Deposits...93 Revenues...93 Net Profits...94 MARKET SEGMENTATION...95 Traditional Banks Online Offerings...95 Market Growth...95 Firms...95 Offices...95 Branches...95 Clients...96 Accounts...96 Loans...96 Loans...96 Deposits...96 Revenues...96
3 Net Profits...96 Leading Traditional Bank Online Offerings Companies...96 Offices...96 Branches...97 Clients...97 Accounts...97 Loans...97 Loans...97 Deposits...97 Revenues...97 Net Profits...98 Online Only Banks...98 Market Growth...98 Firms...98 Offices...99 Branches...99 Clients...99 Accounts...99 Loans...99 Loans...99 Deposits...99 Revenues...99 Net Profits...99 Leading Online Only Banks...99 Offices Branches Clients Accounts Loans Loans Deposits Revenues Net Profits Online Mortgage Companies Market Growth Firms Offices Branches Clients Accounts Loans Loans Deposits Revenues Net Profits Leading Online Mortgage Companies Offices Branches Clients Accounts Loans
4 Loans Deposits Revenues Net Profits KEY SERVICE PROVIDERS TO ONLINE BANKING & MORTGAGE COMPANIES News, Quotes, & Media Vendors Technology Infrastructure Vendors FUTURE PREDICTIONS FOR THE ONLINE BANKING & MORTGAGE INDUSTRY.106 Increasing Dominance of the Web in Banking & the Growth of the Web in Mortgage Transactions Online Banking & Bill Pay Online Mortgages Emergence of Peer-to-Peer Lending Web Sites Intersection of Online Banking & Social Media Rising Online Financial Services Activity & Parallel Need for in Person Advice Rapid Growth of Mobile Payments APPENDIX Profiles of Online Banks & Mortgage Companies ABN Amro Businesses Mortgage.Com Organization & Ownership Adteractive History Early Phase Middle Phase Recent Phase Statistics Businesses Rate Quote Central Low Rate Source Organization & Ownership Bank of America Corporation History Businesses Online Banking Organization & Ownership Bank of Montreal History Businesses Harris Bank Online Banking Organization & Ownership Bankrate.com History Early Phase Middle Phase Recent Phase Statistics
5 Businesses Online Publishing Print Publishing & Licensing Organization & Ownership BB&T History Businesses Online Banking Organization & Ownership BofI Holding History Early Phase Middle Phase Recent Phase Statistics Businesses Bank of Internet USA Organization & Ownership Capital One History Businesses Hibernia Online Banking Organization & Ownership Citigroup History Businesses Online Banking Organization & Ownership Deutsche Bank History Businesses Mortgage IT Organization & Ownership Ditech.Com History Early Phase Middle Phase Recent Phase Statistics Businesses Mortgages Organization & Ownership ebay History Businesses Pay Pal Organization & Ownership E-Loan History Early Phase
6 Middle Phase Recent Phase Statistics Businesses Loans Organization & Ownership E*Trade History Businesses Banking & Credit Cards Organization & Ownership EverBank Financial History Separate Alliance Mortgage & EverBank Phase Combined EverBank Phase Statistics Businesses EverBank National Banking Group EverBank of Florida EverHome Mortgage Company BNY Mortgage Company Priceline Mortgage EverBank Specialty Lending Group EverBank Wholesale Lending EverBank National Home Loan Group EverBank Commercial Real Estate Lending Group EverBank Reverse Mortgage Group EverBank Correspondent Lending Group EverBank World Markets EverTrade Direct Brokerage Organization & Ownership Fifth Third Bancorp History Businesses Personal Banking Online Banking Organization & Ownership First Citizen s History Businesses Online Banking Organization & Ownership First Covenant Bank History Businesses First Commerce Bank Online Banking Organization & Ownership First Internet Bancorp History Early Phase
7 Middle Phase Acquisition Phase Statistics Businesses First Internet Bank of Indiana Landmark Mortgage Company Organization & Ownership First Horizon National Corporation History Businesses First Tennessee Bank Organization & Ownership Flattr Networks History Businesses Social Micropayments Organization & Ownership Huntington Bancshares History Businesses Personal Banking Online Banking Organization & Ownership IAC/InterActiveCorp History Businesses LendingTree.Com Organization & Ownership ING Group History Businesses ING Direct Organization & Ownership JP Morgan Chase History Businesses Retail Banking Online Banking Organization & Ownership Key Corporation History Businesses Retail Banking Online Banking Organization & Ownership Lending Club History Early Phase Middle Phase Recent Phase Statistics
8 Businesses Peer-to-Peer Lening Organization & Ownership Net Bank History Early Phase Middle Phase Acquisition Phase Statistics Businesses Net Bank Net Bank Dealer Financial Services Net Bank Business Finance Net Bank Funding Market Street Mortgage Corporation Meritage Mortgage Corporation Resource Mortgage Solutions Beacon Credit Services Net Bank Payment Systems Net Insurance Organization & Ownership NeTeller History Businesses Online Money Transfer Organization & Ownership Nexity Financial History Early Phase Middle Phase Recent Phase Statistics Businesses Online Banking Organization & Ownership PNC Financial Services Group History Businesses Regional Community Banking National City Corporation Online Banking Organization & Ownership Presidential Bank History Early Phase Middle Phase Recent Phase Statistics Businesses Presidential.com Organization & Ownership
9 Prosper.Com History Early Phase Middle Phase Recent Phase Statistics Businesses Peer-to-Peer Lending Organization & Ownership Quicken Loans History Businesses Home Mortgages Organization & Ownership Regions Financial Corporation History Businesses Online Banking Organization & Ownership Sun Trust History Businesses Online Banking Organization & Ownership US Bancorp History Businesses Retail Banking Online Banking Organization & Ownership Virgin Money History Businesses Online Mortgages Organization & Ownership Wells Fargo Corporation History Businesses Community Banking Group Online Banking Wachovia Corporation General Bank Online Banking Organization & Ownership Wiki Loan History Early Phase Middle Phase Recent Phase Statistics Businesses
10 Peer-to-Peer Lending Organization & Ownership Zion s Bank History Businesses Personal Banking Online Banking Organization & Ownership Profiles of Online Banking & Mortgages Service Providers Broadridge History Businesses Clearing & Outsourcing Organization & Ownership Computer Services (CSI) History Businesses Payments Organization & Ownership Fidelity National Financial History Businesses Metavante Organization & Ownership Fiserv Corporation History Businesses Process Outsourcing Payments & Related Services Corillian Organization & Ownership Foliofn History Businesses Folio Institutional Organization & Ownership Global Payments History Businesses Payment Processing Organization & Ownership Heartland Payment Systems History Businesses Online Payment Solutions Organization & Ownership Jack Henry & Associates History Businesses Symitar Systems Organization & Ownership
11 Javelin Strategy & Research History Businesses Research Dynamic Payments Mobile Initiatives Organization & Ownership Source Media History Businesses Banking Bank Technology News Mortgage Mortgage Technology Organization & Ownership Thomson Reuters History Businesses Beta Organization & Ownership Total System Services History Businesses Credit Card Transaction Services Organization & Ownership Tower Group History Businesses Research Payments Organization & Ownership Duplication or distribution of this report, and/or the data in this report, is strictly prohibited without the written consent of Tiburon Strategic Advisors, LLC 11
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