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.
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...
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...
Personal Financial Management Offers A Wide Range Of Benefits
Many financial services eBusiness executives are considering investing in money management tools for their customers, but they struggle with the business case. To help eBusiness executives build the...

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...

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...

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...

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...
In the midst of the recession and ongoing sovereign debt crisis, only 29% of Europeans believe their bank acts in their best interest. However, some banks rank much higher than others in our customer...

eBusiness and channel strategy professionals at insurers face a strategic dilemma — managing the in-person agent field force while migrating services online. Israeli insurance provider Migdal,...
Banking channel use is changing in France as customers slowly turn away from traditional channels like branches and the telephone to use digital channels like Internet and mobile banking. Digital...

The use of digital banking channels has grown rapidly in Italy, which has the highest mobile banking adoption in Europe — while the growth of branch use has come to a halt. Channel strategy...

The Polish retail banking market is characterized by strong growth and competition. Only 68% of the population owns a current account, and a large number of banks are competing for customer...
Spanish banks have been at the forefront of banking innovation in Europe, yet customer behavior in Spain has been slow to change. Spanish customers are more likely than customers almost anywhere in...
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...

The Netherlands continues to be the leader in online banking adoption in Europe. With just 9% of Dutch consumers using branches and 85% using online banking each month, the Web has become the heart...
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...
Make Comparison Shopping A Fundamental Element Of Your Online Strategy
Nearly four in 10 European online financial product researchers used financial comparison sites last year — a number that has grown from 29% in 2007. Comparison sites play an increasingly...
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...

The Web Still Plays A Small Role As A Distribution Channel In France
The Internet has been slow to take off as a distribution channel for financial products in France. Although 18% of French consumers have researched a financial product online and 3% have bought a...
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...
Confidence Has Risen Sharply, But One-Third Are Using Credit Less
In the past year, the proportion of online Canadian adults who are optimistic about the economy has increased more than five-fold from 10% to 55%. More than one-third say their personal financial...
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...
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...
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...
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...