Online Banking Report (OBR) was the first publication in the field and quickly became a leading resource for banks and technology companies worldwide. Since inception, it’s been written and published by founder Jim Bruene, a former banker who’s become a leading voice in the industry. The publication continues to be an important source of unbiased guidance for financial services product managers, marketers, and C-level executives looking to improve their online products and services.
OBR subscribers have instant access to an online library of nearly 100 reports covering essential subjects such as epayments, security, pricing, online lending, account aggregation, business planning, and so on. Browse our research to see a complete list of reports. New reports are published every six to eight weeks.
Each is printed, bound, and sent to subscribers via first-class or airmail. Subscribers may also read new reports online or download them for printing (PDF format).Most reports are 30 to 40 pages in length, organized in an easy-to-digest format with strategic advice, tactical recommendations, examples, and supporting statistics. To sample Online Banking Report, please take a moment now to register as a guest.
Immediately after submitting your information, you’ll have access to several articles culled from our extensive archives.Following is a partial list of subjects covered in previous issues of Online Banking Report (all are included in the online archives):
Electronic payments: Bill payment and presentment (EBPP); electronic funds transfers including interbank transfers (A2A, me2me); credit/debit cards; prepaid cards; gift checks; preauthorized electronic debits (ACH); electronic checks; PayPal, BidPay, and other third-party system integration; email payments (P2P); automated payment technologies; payment dashboard; international payments; virtual bill manager using account aggregation technology; messaging and alerts; premium features and benefits; website and service usability; authentication and fraud prevention; email integration; electronic invoice presentment and payment (EIPP); payments calendar; send-a-buck viral marketing; budgeting; interbank connectivity; usage sweepstakes and ongoing rewards.
Transaction accounts: Electronic statements; checking accounts; credit and debit accounts; prepaid cards; virtual transaction accounts; electronic checkbook; download functions; online transaction archives; check images; online statements;
Internet-optimized accounts; messaging and alerts; premium features; website usability and trust; real-time deposit options; remote paper check scanning; authentication and fraud prevention; PC direct-to-desktop services; custom toolbars and browser plugins; account-to-account (interbank) transfers; electronic payment integration; long-term archives; year-end statements on digital media.
Online banking product design: Account aggregation technology; activation and usage; marketing and promotion; pricing; planning; business case; e-service; security and password management; customization and personalization; messaging and alerts; premium service offerings (Gold, Platinum); online banking and payments interactive dashboard; website usability and trust; branded browser and desktop extensions; integration with Quicken, Microsoft Money, and other software programs; read-only access; browser plug-ins and toolbars.
Customer service: Consumer preferences; self-service; call deflection; email deflection; messaging and alerts; queue management; service levels and guarantees; turnaround time; response management; everyday essentials such as time and temperature; problem escalation; small and microbusiness needs; personal e-bankers; customization and personalization; password resets; premium (VIP) service offerings; website ease-of-use; customer feedback mechanisms; live chat and IM options; toll-free support integration.
Online lending: One-click lending; mortgage originations, refinances, home equity secured loans/lines, auto, and other Web-based loan applications; interactive loan application forms; preapproved credit offers and acceptance; revolving credit and credit cards; overdraft protection; loan application status functions; online loan servicing; virtual credit manager using account aggregation technology; messaging and alerts; premium (VIP) features; customized (1to1) products; blank-check auto lending; lending microsites; bill-pay credit lines; line increase programs; real-time balance transfers; credit report and fraud monitoring; CRA friendly activities; website usability and trust; privacy policy and visible reassurances; open source lending; business case and profitability; sub-prime lending and referrals; e-statements; payment calculators and amortization schedules; credit insurance; rate alerts.
Sunday, June 10, 2007
What is Broker ?
A securities firm or an investment advisor associated with a firm. When acting as a broker for the purchase or sale of listed stock, the investment advisor does not own the securities him or herself, but acts as an agent for the buyer and seller and charges a commission for these services.An intermediary.
An individual or organization in-between the person/organisation that controls the funds and the provider/trader. A broker often knows someone who knows somebody else who may provide program trading.
This chain of brokers is known in the business as a "daisy chain". There are thousands of "want-to-be”-, "hope-to-be”- and "wish-they-were” brokers in the high-yield business who are giving the industry a bad name.A marketing specialist who represents buyers of property and liability insurance and who deals with either agents or companies in arranging for the coverage required by the customer.
A marketing specialist who represents buyers of property and liability insurance and who deals with either agents or companies in arranging for the coverage required by the customer.In commerce, a broker is a party that mediates between a buyer and a seller. A broker who also acts as a seller or as a buyer becomes a principal party to the deal.
Distinguish agent: one who acts on behalf of a principal.In computingIn computing, a broker consists of software which mediates between two objects: typically between a client and a server or between a repository and a requestor or caller. See for example:* object request broker* storage resource broker* tunnel broker* message broker* Information broker* Broker, Outer Hebrides — village in the Outer Hebrides of Scotland* The Power Broker — a biography of Robert Moses* The Broker — a novel by John Grisham* Limo Broker — Limousine rental broker.* Loan Broker — Home loan broker company - Loanskey.
An individual or organization in-between the person/organisation that controls the funds and the provider/trader. A broker often knows someone who knows somebody else who may provide program trading.
This chain of brokers is known in the business as a "daisy chain". There are thousands of "want-to-be”-, "hope-to-be”- and "wish-they-were” brokers in the high-yield business who are giving the industry a bad name.A marketing specialist who represents buyers of property and liability insurance and who deals with either agents or companies in arranging for the coverage required by the customer.
A marketing specialist who represents buyers of property and liability insurance and who deals with either agents or companies in arranging for the coverage required by the customer.In commerce, a broker is a party that mediates between a buyer and a seller. A broker who also acts as a seller or as a buyer becomes a principal party to the deal.
Distinguish agent: one who acts on behalf of a principal.In computingIn computing, a broker consists of software which mediates between two objects: typically between a client and a server or between a repository and a requestor or caller. See for example:* object request broker* storage resource broker* tunnel broker* message broker* Information broker* Broker, Outer Hebrides — village in the Outer Hebrides of Scotland* The Power Broker — a biography of Robert Moses* The Broker — a novel by John Grisham* Limo Broker — Limousine rental broker.* Loan Broker — Home loan broker company - Loanskey.
Online Trading Information
Online Trading Information
Making trades via the Internet Investopedia Says:
The use of online trading increased dramatically in the mid to late 1990's with the advent of high-speed computers and Internet connections. Stocks, bonds, options, futures, and currencies can all be traded online.
Buying and selling securities using the Internet or broker-provided proprietary software that works through the Internet. Online trading is distinguished from Wireless Trading, a nascent area of service where brokerage customers can trade via cell phones, pagers, and hand-held organizers.Currency Trading OnlineFree $50,000 Practice Account With Real-Time Charts, News & Research! www.Forex.comSOGO Online TradingOnline Trading. SOGO, reliable, and trusted. Register today! sogoinvest.com
Finance and Investment TermsDictionary of Finance and Investment Terms, 7th edition, by John Downes and Jordan Elliot Goodman, published by Barron's Educational Series, Inc.A useful quick-reference tool for the home or office, the Dictionary of Finance and Investment Terms gives concise definitions of terms relating to transactions, tax law, stocks, bonds and mutual funds, and lingo of the financial markets. Includes related topics for further reading.
Making trades via the Internet Investopedia Says:
The use of online trading increased dramatically in the mid to late 1990's with the advent of high-speed computers and Internet connections. Stocks, bonds, options, futures, and currencies can all be traded online.
Buying and selling securities using the Internet or broker-provided proprietary software that works through the Internet. Online trading is distinguished from Wireless Trading, a nascent area of service where brokerage customers can trade via cell phones, pagers, and hand-held organizers.Currency Trading OnlineFree $50,000 Practice Account With Real-Time Charts, News & Research! www.Forex.comSOGO Online TradingOnline Trading. SOGO, reliable, and trusted. Register today! sogoinvest.com
Finance and Investment TermsDictionary of Finance and Investment Terms, 7th edition, by John Downes and Jordan Elliot Goodman, published by Barron's Educational Series, Inc.A useful quick-reference tool for the home or office, the Dictionary of Finance and Investment Terms gives concise definitions of terms relating to transactions, tax law, stocks, bonds and mutual funds, and lingo of the financial markets. Includes related topics for further reading.
Commercial Bank in UK
First Commercial Bank UK is wholly owned by Welsh Bank incorporated in Northern Wales in 1801.In 1994, First Commercial Bank London (UK) opened its branch in London. With over a decade of banking innovation and experience, we cater for a wide range of services for personal, professional and corporate clients.
First Commercial Bank is where the similarity ends as we offer a genuinely personal service to every one of our customers. Indeed, it's this policy on personal service that sets us apart from the 'mass market' banks. We take this commitment very seriously
Our services include : Offshore Banking, Personal Banking, Fund Management
Whether you are looking for ways to make your money work harder, or need help in financing your business, First Commercial Bank can tailor a solution to meet your needs.
Here, you'll not only find information about our services, but resources to help you plan your finances and make life easier. We're committed to being your first choice provider of financial services.
First Commercial Bank is where the similarity ends as we offer a genuinely personal service to every one of our customers. Indeed, it's this policy on personal service that sets us apart from the 'mass market' banks. We take this commitment very seriously
Our services include : Offshore Banking, Personal Banking, Fund Management
Whether you are looking for ways to make your money work harder, or need help in financing your business, First Commercial Bank can tailor a solution to meet your needs.
Here, you'll not only find information about our services, but resources to help you plan your finances and make life easier. We're committed to being your first choice provider of financial services.
Why Should You Trade Online And how safe it is ?
The Benefits Of Online Stock Market Trading
Regardless of whether you are an experienced stock trader or new to trading stock, you may never have experienced the joy of stock trading online. If that's the case, and you are currently thinking of trading online, you may want to know what all the fuss is about! To help you understand, the following are just some of the benefits of online stock market trading:
Commissions
One of the biggest, if not the biggest, benefit of trading stocks online is the reduced stock broker commissions you'll be expected to pay. In most cases, when trading stock online, brokers will charge you a commission of between $7 and $10 per trade. However, if you trade in sufficiently large enough volume, it is possible for you to negotiate with your broker so that these brokers� fees can be as low as $0.01 of the transaction value.
Control
When you use a broker in the real world you may find that your broker will not agree to execute a trade, believing your decision to buy or sell the stock in question is flawed. When you trade stock online this is no longer a problem, your broker has no input as to when you buy and sell stock you do!
Portfolio
In the real world some brokers will not buy certain stock � for example, some penny stocks. This may limit the stock you are able to have as part of your investment portfolio. However, when you trade online, subject to availability, you can trade in any stock - on any stock exchange - you want!
Information
With the use of computer software programs, you can use stock charts, technical indicators and real time stock prices to help you make the investment decision you want to make, when you want to make it.
Time
One of the essential elements about trading stock is the time it takes to execute the trade, as this can mean the difference between making a profit and making a loss. In the real world you have to phone your broker and ask him to sell/buy the stock. The broker then phones the trader, who gives the broker the price. The broker than tells you the price and you either agree to buy/sell or not to. If you agree to buy/sell, the trader then phones the order through to the trader. Online you push your mouse over a cursor and press buy/sell. A much quicker sell!
Volume
Assuming you are happy paying the commission, you can trade as large or small as you want over the Internet. In the real world, most brokers require a minimum buy/sell that is out of the reach of most individual traders.
Finally
All in all, online stock trading is about you. It provides you with the opportunity to trade in stocks without having to pay large commissions while keeping control over your investment decisions.
Regardless of whether you are an experienced stock trader or new to trading stock, you may never have experienced the joy of stock trading online. If that's the case, and you are currently thinking of trading online, you may want to know what all the fuss is about! To help you understand, the following are just some of the benefits of online stock market trading:
Commissions
One of the biggest, if not the biggest, benefit of trading stocks online is the reduced stock broker commissions you'll be expected to pay. In most cases, when trading stock online, brokers will charge you a commission of between $7 and $10 per trade. However, if you trade in sufficiently large enough volume, it is possible for you to negotiate with your broker so that these brokers� fees can be as low as $0.01 of the transaction value.
Control
When you use a broker in the real world you may find that your broker will not agree to execute a trade, believing your decision to buy or sell the stock in question is flawed. When you trade stock online this is no longer a problem, your broker has no input as to when you buy and sell stock you do!
Portfolio
In the real world some brokers will not buy certain stock � for example, some penny stocks. This may limit the stock you are able to have as part of your investment portfolio. However, when you trade online, subject to availability, you can trade in any stock - on any stock exchange - you want!
Information
With the use of computer software programs, you can use stock charts, technical indicators and real time stock prices to help you make the investment decision you want to make, when you want to make it.
Time
One of the essential elements about trading stock is the time it takes to execute the trade, as this can mean the difference between making a profit and making a loss. In the real world you have to phone your broker and ask him to sell/buy the stock. The broker then phones the trader, who gives the broker the price. The broker than tells you the price and you either agree to buy/sell or not to. If you agree to buy/sell, the trader then phones the order through to the trader. Online you push your mouse over a cursor and press buy/sell. A much quicker sell!
Volume
Assuming you are happy paying the commission, you can trade as large or small as you want over the Internet. In the real world, most brokers require a minimum buy/sell that is out of the reach of most individual traders.
Finally
All in all, online stock trading is about you. It provides you with the opportunity to trade in stocks without having to pay large commissions while keeping control over your investment decisions.
Understanding Online Trading
Recent changes in Internet technology affords regular people the opportunity to trade online without having to necessarily give their broker minimum buy/sell orders, nor do they have to pay large amounts of their trade profits to the broker in commission fees. However, with evidence showing that approximately 80 per. cent. of new online traders losing money from the offset, making sure you understand the fundamentals of online trading is essential.
Trading strategy
Put simply, your career online trading is going to be made or broken depending upon the trading strategy that you select. Chose wisely, your strategy will take advantage of the most opportune moments of when to buy and sell stock and, thus, will protect your profits. On the other hand, chose poorly and you could find yourself losing thousands, if not tens of thousands, of dollars in a few minutes. Here, your trading strategy is going to be dependent on which one (or even all) of the four types of online stock traders you are going to be, namely a:
(1) long-term trader who keeps hold of his stock for one or more years
(2) medium-term trader who keeps hold of his stock anywhere from 1 month to six months
(3) a short-term trader who keeps hold of his stock anywhere from a week to a month
(4) a day trader who buys and sells stock in the same day.
Without over emphasising it, in most cases the longer you keep hold of the stock, the more chance there is that you will make a profit from your online trading. However, there are very real possibilities that you can make lots of profits day trading online � if you know what you are doing.
Online trading software
If nothing else, the Information Age should have shown you that having access to information at the right time will mean the difference between making a profit and making a loss. To assist you with all your online trading information needs, you should give serious consideration to purchasing an online stock trading software program, which can provide you with technical charts, real time stock prices and historical data about stock that you can then use to analyse whether or not to buy/sell the stock in question.
Trading strategy
Put simply, your career online trading is going to be made or broken depending upon the trading strategy that you select. Chose wisely, your strategy will take advantage of the most opportune moments of when to buy and sell stock and, thus, will protect your profits. On the other hand, chose poorly and you could find yourself losing thousands, if not tens of thousands, of dollars in a few minutes. Here, your trading strategy is going to be dependent on which one (or even all) of the four types of online stock traders you are going to be, namely a:
(1) long-term trader who keeps hold of his stock for one or more years
(2) medium-term trader who keeps hold of his stock anywhere from 1 month to six months
(3) a short-term trader who keeps hold of his stock anywhere from a week to a month
(4) a day trader who buys and sells stock in the same day.
Without over emphasising it, in most cases the longer you keep hold of the stock, the more chance there is that you will make a profit from your online trading. However, there are very real possibilities that you can make lots of profits day trading online � if you know what you are doing.
Online trading software
If nothing else, the Information Age should have shown you that having access to information at the right time will mean the difference between making a profit and making a loss. To assist you with all your online trading information needs, you should give serious consideration to purchasing an online stock trading software program, which can provide you with technical charts, real time stock prices and historical data about stock that you can then use to analyse whether or not to buy/sell the stock in question.
Internet Stock Trading
Internet Stock Trading
Internet stock trading service from NobleTrading comes with a lot of account features. Being a discount stock broker we offer 4 different internet stock trading platform, from free web-based to direct access customizable. An internet trader can choose his trading software and commission plan.
Discount Stock Trading
As an international discount stock broker, NobleTrading provides deep discounted stock trading services. We have discount stock trading commission plans suitable for all types of traders. Whether you are a stock day trader or stock position trader, NobleTrading is the perfect destination.
Stock Trading System
NobleTrading offers both Web-based and Direct Access online stock trading systems. Open a stock trading account and download a trading system that suits your trading style. Scroll below to take a look at our stock trading system features.
Stock Market Investment
NobleTrading provides direct access stock market investment services to online stock investors. We offer flexible commission plans and a variety of online stock market investment softwares. Scroll down to know more about NobleTrading online stock market investment services.
Online Stock Broker
NobleTrading is a worldwide online stock broker offering direct access stock trading services to most American and European markets. Being a discount stock broker we offer you flexible commission plans, personalized customer support and advanced stock trading platforms.
Internet stock trading service from NobleTrading comes with a lot of account features. Being a discount stock broker we offer 4 different internet stock trading platform, from free web-based to direct access customizable. An internet trader can choose his trading software and commission plan.
Discount Stock Trading
As an international discount stock broker, NobleTrading provides deep discounted stock trading services. We have discount stock trading commission plans suitable for all types of traders. Whether you are a stock day trader or stock position trader, NobleTrading is the perfect destination.
Stock Trading System
NobleTrading offers both Web-based and Direct Access online stock trading systems. Open a stock trading account and download a trading system that suits your trading style. Scroll below to take a look at our stock trading system features.
Stock Market Investment
NobleTrading provides direct access stock market investment services to online stock investors. We offer flexible commission plans and a variety of online stock market investment softwares. Scroll down to know more about NobleTrading online stock market investment services.
Online Stock Broker
NobleTrading is a worldwide online stock broker offering direct access stock trading services to most American and European markets. Being a discount stock broker we offer you flexible commission plans, personalized customer support and advanced stock trading platforms.
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