About Forrester
Forrester Research, Inc. is an independent research company that provides pragmatic and forward-thinking advice to global leaders in business and technology.

Cathy Graeber has returned to Forrester and serves eBusiness & Channel Strategy Professionals. She is a leading expert in online and mobile financial services, with hands-on senior management experience in digital channel strategy for both the consumer and small business segments.
Cathy previously worked at Forrester from 2000 to 2008 in the financial services vertical. She helped define the digital banking world, predicted the demise of online bill pay fees, and uncovered the true economics of the online channel during her first tenure with Forrester.
Cathy has worked as a marketing, product, and channel strategy expert for more than 25 years — primarily with the big banks located in California. In 1994 she was tapped to start up Bank of America's web presence and online channel capabilities, ultimately leading the bank's Consumer Internet Division. In 1998 she moved to Wells Fargo Bank, where she led the Internet Services Group. Prior to rejoining Forrester, Cathy spent four years running her own consulting firm, Swimming Upstream.
Cathy has spoken at industry and company events in her Forrester and non-Forrester roles and has been quoted extensively in major national media outlets. She is a well-regarded speaker and moderator at such venues as BAI, American Banker's Mobile Banking Summit, and at many other industry events.
In this report we explore five trends that will affect the next generation of digital banking. Rising digital customer expectations, advances in technology, and continued digital disruption thre...
Financial institutions continue to face challenges on generating revenue. Recent US regulations have greatly reduced overdraft fees and debit card interchange income. With no clear sources of ne...
Digital banking teams want to know where they stack up against competitors when it comes to their secure websites and other digital features — everything from mobile functionality to custo...

This report details how the secure websites of the six largest retail banks in Canada stack up against each other across six categories and 66 individual criteria measuring the banks' online fun...
Bank of America enlightened the industry in 2002 with its landmark control-group-based time series study that proved that customers who used online bill pay were more profitable than customers w...
Online banking adoption continues its upward trajectory, as evidenced by a 27% growth rate in 2005. Expect this trajectory to continue during the next five years: By 2011, Forrester expects onli...
Just 35% of online consumers pay bills at their bank or credit union's Web site. What about the rest? Citing a preference for check writing and the need for paper bills for record keeping, 71% o...
Psst — have you heard? Mobile banking is the next killer application. While early pioneers with first-generation mobile platforms got burned back in 2000 with low consumer adoption and not...
The adoption of eStatements in the US continues to grow, which we track by looking at data from Forrester's North American Technographics® Financial Services Online Survey, Q3 2007. In the ...
In 2005, electronic bill payment and presentment (EBPP) adoption grew by 34%, the highest annual growth rate in four years. Robust adoption growth is expected during the next five years, as the ...