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Jim Bruene

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It's an interesting avenue. It's just a smaller niche than other things banks are doing.

That's the business of banking, keeping people assured their money is safe. That's why there's vaults and bars and all that stuff. They just have to do the digital equivalent.

There were perceived risks in online trading, but the benefit was so high, it was worth it. With online banking, the risk is greater and the benefit isn't so obvious.

They're all going to end up doing this. (Banks) are going to want to keep up with the Joneses.

Credit unions and smaller banks were actually quicker than most large banks to offer online services because of the relationship they had with vendors and their capability to integrate web operations into their systems at a reasonable sum. A bank like Citibank had to do a huge internal thing to get the system up.

Right now it's not a no-brainer to go out and say you should bank at an e-bank. It depends on what you need.

There is finally enough consumer demand and theft to make the business case (for enhanced security).

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