Benjamin Ensor

Vice President, Research Director serving eBusiness & Channel Strategy PROFESSIONALS

Benjamin serves eBusiness & Channel Strategy Professionals. His research focuses on how consumers perceive, adopt, and use new technologies and what that means for business executives at consumer companies, encompassing topics like customer segmentation, business models, and managing multiple distribution channels.

His research explores how emerging technologies like the Internet and mobile phones affect consumers' behavior, what motivates their use of different channels for different tasks, and how new channels and technologies are changing consumers' media consumption and their relationships with consumer firms like retailers and financial services companies. In particular, he specializes in understanding the effect of the Internet and other new technologies on business models in retail financial services, including payments, banking, lending, investments, and insurance.

During his 13 years at Forrester, Benjamin has worked in the company's Consumer Technographics®, financial services, and eBusiness channel & product management professional teams. He is based in Forrester's London office.

Previous Work Experience

Before he joined Forrester, Benjamin was an analyst at Fletcher Research, the UK Internet research company that Forrester acquired. There, he researched the nascent online retail, online financial services, and online advertising markets. Before joining Fletcher Research, Benjamin worked as a financial journalist in London for four years.

Education

Benjamin has a degree in modern history from Trinity College, Oxford.

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53 results in Reports

  • Benjamin Ensor
  • For eBusiness & Channel Strategy Professionals

    Report:The Changing Retail Payment Systems Landscape

    Winners Are Emerging From The Flood Of New Payment Systems

    Retail payment systems are going through rapid change as a combination of technology innovation, new transaction types, and fraud drive improvements to existing systems, as well as the development of...

    • Downloads: 2158
  • For eBusiness & Channel Strategy Professionals

    Report:Trends 2009: European Retail Banking eBusiness And Channel Strategy

    The Financial Crisis And The Recession Have Changed Priorities For Executives

    Under the impact of the financial crisis and the recession, eBusiness and channel strategy executives at European retail banks will focus on retaining customers and increasing efficiency in 2009. In...

    • Downloads: 1622
  • For eBusiness & Channel Strategy Professionals

    Report:The State Of Mobile Banking 2012

    Landscape: The Mobile Banking Strategy Playbook

    Mobile banking continues to gather momentum across developed countries, fueled by rising smartphone use and the steadily improving supply of mobile banking from banks in North America, Europe, and...

    • Downloads: 1786
    • Rating:
  • For eBusiness & Channel Strategy Professionals

    Report:NFC Technology Is Revitalizing Mobile Payments

    But Mobile Contactless Payments Face Huge Adoption Hurdles

    Mobile contactless systems based on Near Field Communication (NFC) offer a much faster way to initiate payments with a mobile phone than SMS or other mobile network-based technologies, providing a...

    • Downloads: 1317
  • For eBusiness & Channel Strategy Professionals

    Report:Building A World-Class Mobile Banking Strategy

    Executive Overview: The Mobile Banking Strategy Playbook

    Mobile banking is the most important strategic change in retail banking in more than a decade. Yet too many banks have taken a haphazard approach to mobile strategy, rolling out apps and features...

    • Downloads: 995
  • For eBusiness & Channel Strategy Professionals

    Report:UK Online Banking Forecast: 2007 To 2012

    Online banking has grown gradually in the UK over the past decade and is now used by 31% of adults, or 15 million people. But growth has slowed in the past couple of years. That's odd because only...

    • Downloads: 1012
  • For eBusiness & Channel Strategy Professionals

    Report:Trends 2012: European Retail Banking eBusiness And Channel Strategy

    Put Digital Touchpoints At The Heart Of Your Multichannel Strategy

    In this research, we explore what the state of the economy, new regulations, competition, and changing customer behavior mean for the priorities of eBusiness and channel strategy executives at...

    • Downloads: 1217
    • Rating:
  • For eBusiness & Channel Strategy Professionals

    Report:Best Practices In Mobile Banking

    Processes: The Mobile Banking Strategy Playbook

    The critical question for many digital banking teams after they build mobile banking is how to encourage customer adoption and use. Forrester spoke to eBusiness executives at banks about the current...

    • Downloads: 1092
  • For eBusiness & Channel Strategy Professionals

    Report:Understanding Online Payment Preferences In Europe

    Alternative Payment Systems Provide Opportunities For European Merchants

    The European online payment landscape is highly fragmented, with different payment methods achieving varied adoption levels across European countries. One in two European online buyers does not own a...

    • Downloads: 1082
  • For eBusiness & Channel Strategy Professionals

    Report:Will The iPhone Boost Mobile Banking?

    Five months after Apple launched the iPhone in the US, the iPhone has gone on sale in Europe. Now banks are asking: "How will it affect mobile banking?" We think that the iPhone is an important...

    • Downloads: 784
  • For eBusiness & Channel Strategy Professionals

    Report:Topic Overview: European Retail Financial Services

    Forrester's European retail financial services research helps marketing and strategy executives understand emerging trends in consumer attitudes, business, and technology. Our research spans the...

    • Downloads: 964
  • For eBusiness & Channel Strategy Professionals

    Report:Case Study: Rabobank Reduces The Supply-Side Barriers To Mobile Banking

    Rabobank has been a pioneer of mobile financial services and has a clear vision of the future of the channel. The Dutch bank was one of the first to launch transactional mobile banking services back...

    • Downloads: 867
  • For eBusiness & Channel Strategy Professionals

    Report:Market Overview: Personal Financial Management Solutions

    A Global Guide To Choosing White-Label Personal Financial Management

    Online personal financial management (PFM) is rapidly moving up the priority lists of many eBusiness executives at banks and wealth management firms worldwide. Executives who want to offer online...

    • Downloads: 930
    • Rating:
  • For eBusiness & Channel Strategy Professionals

    Report:The Sources Of ING Direct's Success

    How ING Direct Won 17 Million Customers While Still Making A Profit

    ING Direct first opened for business in Canada 10 years ago. In the decade since, the company has become the most successful direct bank in the world with more than 17 million customers in nine...

    • Downloads: 796
  • For eBusiness & Channel Strategy Professionals

    Report:European Mobile Banking: An Inconvenient Truth

    Most Large Banks Offer Mobile Banking But Few Consumers Use It

    Although most leading European retail banks offer mobile banking services based on SMS and mobile Internet to everyone with a capable phone, only 5% of Net users use them today. Those who do tend to...

    • Downloads: 748
  • For eBusiness & Channel Strategy Professionals

    Report:Using Video To Drive Online Financial Services Sales

    How Financial Services eBusiness Executives Can Use Online Video

    More people than ever before watch online video. In response, an increasing number of financial services eBusiness teams are using online video to drive sales. Nevertheless, based on our study of...

    • Downloads: 869
    • Rating:
  • For eBusiness & Channel Strategy Professionals

    Report:How UK Banking Customers Use Different Channels

    The steady growth of online banking in the UK over the past decade is changing the way people use other banking channels. Half of UK adults still visit a branch each month, although the number of...

    • Downloads: 812
  • For eBusiness & Channel Strategy Professionals

    Report:French Online Banking Forecast: 2008 To 2013

    Online banking has grown steadily in France over the past decade, boosted by the growth in Net use overall, and is now used by 31% of adults, or 15 million people. We expect that growth to continue...

    • Downloads: 700
  • For eBusiness & Channel Strategy Professionals

    Report:How To Win Retail Deposits In The Credit Crisis

    Fourteen Quick Things To Do To Sell More Savings Products Online

    The acute worsening of the financial crisis following the collapse of Lehman Brothers on September 15, 2008, has left many banks desperate for retail funding. As the business owners of a major...

    • Downloads: 599
  • For eBusiness & Channel Strategy Professionals

    Report:The March Toward Insurance Claims Automation

    Insurers have been using old, legacy-based, and highly paper-intensive claims systems for years — and suffering severe operational deficiencies as a consequence. New technology means this old...

    • Downloads: 699
  • For eBusiness & Channel Strategy Professionals

    Report:The State Of Mobile Banking In Europe 2012

    Mobile Banking Is A Major Strategic Shift, Not Just Another Channel

    Most European banks have now launched their mobile offerings, and customers are steadily adopting mobile banking: 21% of European Net users with a mobile phone now use at least one form of mobile...

    • Downloads: 815
    • Rating:
  • For eBusiness & Channel Strategy Professionals

    Report:How UK Banking Customers Use Different Channels, 2011

    Executives Need To Put Digital Touchpoints At The Heart Of Their Strategies

    Online banking has changed the way people use other banking channels over the past decade. Even so, half of UK adults still visit a branch each month. eBusiness and channel strategy executives need...

    • Downloads: 746
  • For Customer Insights Professionals

    Report:Marketing Financial Services To Young Consumers

    The financial needs of today's young consumers are much the same as those of their parents at the same age. But their expectations and behavior are quite different. As they grow older, we expect many...

    • Downloads: 557
  • For eBusiness & Channel Strategy Professionals

    Report:How UK Consumers Use The Net To Research And Buy Financial Products

    The Internet Is A Core Distribution Channel For Most Retail Financial Products

    The use of the Internet to both research and buy financial products has grown enormously in the UK over the past decade. As a result, the Internet is now a core distribution channel for most retail...

    • Downloads: 668
  • For eBusiness & Channel Strategy Professionals

    Report:Italian Online Banking Forecast: 2008 To 2013

    With only 15% of adults regularly banking online, Italy is still Western Europe's online banking laggard. Many Italians don't use the Net regularly, and those who do are far more reluctant to use...

    • Downloads: 572