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

Vikram leads the forecast team, which is responsible for producing all forecasts within M&S research. He is focused on the consumer commerce areas including retail, travel, and financial services. He is keenly involved in understanding the evolution of consumers' online behavior and technology adoption.
Vikram came to Forrester Research through its acquisition of Jupiter Research, where he started in July 2000. Prior to Jupiter, Vikram worked at IRI, a leading market research company, where he worked closely with some of the leading CPG companies.
Vikram often appears on TV, radio, and comments in the press on the US online retail and travel industry. He has been quoted in The L.A. Times, Business Week, The New York Times, CNN Money, and American Banker. He has also appeared on CNBC, Bloomberg TV, and Radio, NPR, Fox Business News, and ABC.
Vikram earned an M.B.A. from Virginia Tech and a B.Com from N.M College in Mumbai, India.
Barclaycard Offers State-Of-The-Art Spending Categorization And Reporting
In August 2009, Barclaycard rolled out its new secure Web site, mybarclaycard, offering state-of-the-art functionality for managing credit cards online. The site combines excellent online banking...
Wells Fargo's Second Attempt At Online Chat Finds Incremental Success
Wells Fargo was a pioneer in the use of online chat in 2002. While that initial move into live help met with mixed results, the desire on the team's part to inject human assistance into the process...
Capital One Takes The Top Spot For 2010
For the first time, Forrester evaluated the public Web sites of the nine largest North American credit card issuers — American Express, Bank of America, Bank of Montreal, Capital One (US),...
eBusiness Execs At Banks And Card Providers Should Evaluate New Solutions
Increased regulation in the financial industry has altered traditional sources of fee revenue like debit card and overdraft protection fees. As a result, banks and credit card providers have been...
OPEN Forum, A Branded Website, Grew Out Of Offline Networking Events
Small business owners are hungry to talk to their peers about shared needs, topics, and solutions. American Express OPEN — the small-business arm of American Express — recognized this...
ForecastView Spreadsheet
Consumer payments by value and and volume for different alternative payment methods, including e-wallet payments, prepaid/stored-value cards, and deferred billing, as well as credit and debit card...
Ten Areas Of Focus For The Next 12 Months
Expect 2011 to be an exciting year in financial services, driven for the most part by the increasingly important role of eBusiness and channel strategy professionals. The rise of smartphones, the...
Commonwealth Bank Generates Leads With Convenient Mobile Services
Commonwealth Bank of Australia is generating 1% of its overall mortgage leads by using mobile augmented reality (AR) within a homebuyer's research application to enhance its home-buying service. This...

A Solid Understanding Of Customer Expectations And A Localization And Differentiation Strategy Are The Keys To Success Across Europe.
Despite some commonality in currency and legislation, there are some notable differences in customer shopping behavior and market trends across the various European online retail markets. eBusiness...
RBC And CIBC Lead With Critical Functionality
Despite the rapid rise of mobile and tablet banking, secure websites remain the No. 1 digital touchpoint for credit cardholders interacting with their providers. Before eBusiness professionals at...
Strong Servicing Content Carries Bank of America To The Top
Forrester evaluated the secure websites of five of the largest US credit card issuers — American Express, Bank of America, Capital One, Chase, and Citibank — using our Website User...
The Payment Methods That Appeal Most And Least To Leisure Travel Bookers
Since 2007, US travelers' usage and interest in alternative payment methods (APMs) for online travel purchases has been slowly, but steadily, increasing. Fifteen percent of US online leisure travel...
French Online Retail Is On The Brink Of A Multichannel Revolution
France is the third largest online retail market in Europe; although it will continue to mature and grow at a pace outstripping overall retail growth, there are significant changes in store for...

Discover Financial Services Takes The Top Spot With Robust Functionality And Strong User Experience
Despite the rapid rise of mobile and tablet banking, secure websites remain the No. 1 digital touchpoint for credit cardholders interacting with their providers. Before eBusiness professionals 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...
Forrester Identifies Five Attributes Of Valuable Client Interactions Via Twitter
Forrester measured the Twitter activity of 30 North American financial services firms. We found that successful financial services brands on Twitter are proactive, multichannel, conversational,...
eBusiness Professionals Must Integrate Mobile Into Loan Processes
As customers become more comfortable with research and applying for financial products through mobile devices, eBusiness professionals at banks will need to consider how mobile can support...

Usage Is Rising Driven By First-Time Users And Younger Generations
In 2009, 21% of financial product online applicants — more than 50 million Americans — used a third-party online comparison Web site, and 36% of these applicants did so for the first...