Table 2.1: European Internet banking customer numbers, 2000—2002 24
Table 2.2: European Internet banking customers per capita, 2002 24
Table 2.3: Number of branches in Europe, 2002e-2005f, by country 28
Table 2.4: Number of people per bank branch in European markets, 2002 29
Table 2.5: Penetration of Internet access devices in surveyed European markets, 2002 36
Table 2.6: Internet access points in surveyed European markets, 2002 37
Table 2.7: Time spent online per week by European consumers banking online 39
Table 2.8: Time spent online per week by European consumers who do not bank online 40
Table 2.9: Use of the Internet for financial services and leisure purposes by European consumers 41
Table 2.10: European consumers who bank online who state that the Internet is their preferred channel over which to purchase specified product or service 42
Table 2.11: The opinions on their financial position of European consumers who do bank online ‘I am in a better financial position than most people my age’ 43
Table 2.12: The opinions on their financial position of European consumers who do not bank online: ‘I am in a better financial position than most people my age’ 43
Table 2.13: The opinions on the state of their personal finances of European consumers who do bank online: ‘I am very worried about the state of my personal finances’ 44
Table 2.14: The opinions on the state of their personal finances of European consumers who do not bank online: ‘I am very worried about the state of my personal finances’ 44
Table 2.15: European consumers who do not bank online who state that the Internet is their preferred channel over which to purchase specified product or service 45
Table 2.16: Customers banking online with major Internet banks and banks providing Internet banking services 47
Table 2.17: Egg’s customer numbers, December 1999 to December 2002, UK only 48
Table 2.18: Targets and assumptions: La Carte Egg 49
Table 2.19: European Internet banking customer forecasts, 2003f-2007f 51
Table 2.20: European Internet banking technology spend, 2001-2005f 51
Table 2.21: Examples of cash collection money transfer providers 54
Table 2.22: Examples of providers of international drafts and money services, other than banks55
Table 2.23: Examples of providers of wire money transfer services, other than banks 56
Table 2.24: Examples of international online account-based money transfer providers 57
Table 3.25: Percentage of consumers that have accessed the Internet from specified locations during the last 12 months 63
Table 3.26: Percentage of consumers engaging in specified activity online during the last 12 months 64
Table 3.27: Percentage of consumers that have engaged in specified online activity during the last 12 months 65
Table 3.28: Percentage of consumers stating that the Internet is their preferred channel for purchasing specified product or service 66
Table 3.29: Percentage of consumers that made online purchases via specified means 66
Table 4.30: Proportion of customers paying their bills online 86
Table 5.31: Teen population in Europe, 2002 91
Table 5.32: Examples of ePurse schemes in Europe and the United States 94
Table 5.33: Examples of issuers of travel cards in the United States 98
Table 6.34: Visa EU eCommerce sales volumes year-on-year growth, Q4 2001-Q4 2002 and Q1 2002 and Q1 2003 104
Table 6.35: Percentage of consumers who have researched and ordered products and services online in surveyed European markets, 2002 106
Figure 1.1: Number of people per bank branch in the big five European markets, 2002 10
Figure 2.2: Positioning the Internet on the diffusion of innovation curve 25
Figure 2.3: Potential of channels to deliver sales, service, advice and transactions 27
Figure 2.4: Number of people per bank branch in European markets, 2002 28
Figure 4.5: The biller-direct model requires customers to view and pay their bills directly through their service provider’s website 78
Figure 4.6: The ‘consolidator’ model relies on central aggregator to present bills and provide payment capabilities for customers through its website 79
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