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

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

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...
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...
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...
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...
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...
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...

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...
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...
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...
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...
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...
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...

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...

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...
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...
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...
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...
Online banking has taken off in Germany — 39% of Germans now bank online. We expect online banking to grow by about 4% each year as a result of a gradual increase in Net users' confidence in...
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...
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...

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...
Younger And Higher-Income Consumers Are More Optimistic
With many American financial institutions struggling, it will surprise no one to hear that Americans are showing signs of pessimism and uncertainty about the national economy. A recent Forrester...