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.
Forrester conducted an online survey fielded in March 2012 of 4,518 US individuals ages 18 to 88. For results based on a randomly chosen sample of this size (N = 4,518), there is 95% confidence that...

Privacy And Security Concerns Must Be Satisfied To Tap Emerging Demand
More than 250 financial institutions from 40 different countries have joined Facebook, looking for friends and future customers while testing the social networking waters. While many of these banks...
Bank Of America Edges Past Wells Fargo In A Tight Race
Forrester evaluated the secure Web sites of the six largest US banks — Bank of America, Chase, Citibank, PNC Bank, U.S. Bank, and Wells Fargo — using our Web Site User Experience and...
Taming The Insurance Claim Experience
At its highest level, a business process is any activity that helps an enterprise achieve its goals. In insurance, industry-specific applications form the transactional backbone of claims processing;...
We Apply Forrester's STEP Methodology To The eBusiness Solutions Evaluation Process For Financial Services Providers
eBusiness executives at financial services providers have many roles, and one of the more critical is choosing technology solutions that meet their firm's technology-agnostic business problems....
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...
E-Trade And Fidelity Lead The Pack
With investor expectations rising and substantial business at stake, digital wealth management teams know they need to improve their portfolios of mobile sites and apps. Forrester evaluated the...
Forrester conducted a survey from April to June 2012 of 22,662 European individuals ages 16 and older in France, Germany, Italy, the Netherlands, Spain, Sweden, and the UK. For results based on a...
eBusiness Executives Should Focus On Web Site Functionality For Support
Small business owners know a lot about their businesses, but they often know little about how to best manage the financial aspects of those businesses. As these small businesses grow, banks can build...
Forrester assessed the secure websites of five American private passenger auto insurers: Allstate Insurance, Geico, Liberty Mutual Insurance, Progressive Casualty Insurance, and State Farm Mutual...
How Mobile Influences Sales In The World's Largest Mobile Phone Market
China, the world's largest mobile phone market, boasts more subscribers than the US by a wide margin, with more than 1 billion mobile subscribers, 202 million of which are 3G subscribers. eBusiness...

The Polish retail financial services market is characterized by strong growth and fierce competition among a large number of banks, many of them foreign-owned. With current account ownership growing...
Forrester conducted an online survey fielded in April and May 2012 of 58,068 US and 5,635 Canadian online adults ages 18 to 88. For results based on randomly chosen samples of these sizes (N = 58,068...
Take An Agile Approach To Support Customers Across Multiple Touchpoints
The rapid development of customer touchpoints, increasing customer expectations, and the pressure for success in the competitive market forces eBusiness and channel strategy executives at financial...
One-Third Of Small Business Owners Research Financial Services Products Online
Three in four small business owners have used the Internet for at least one banking activity in the past year. But which channels do owners use to shop for the financial products they use for their...
Social strategy is all the rage today in financial services, but do customers actually want to engage with financial service firms via social Web sites like Facebook, MySpace, and Twitter? Forrester...
Multichannel Strategy Is More Of A Pipe Dream Than Reality
The rapid development of customer touchpoints and rising customer expectations turn up the pressure on eBusiness professionals at retail banks to continue investing in digital channels. Yet few...

ForecastView Spreadsheet
Adoption of online banking by individual adults in the EU-7 countries of France, Germany, Italy, Netherlands, Spain, Sweden, and UK. The forecast reports the addressable market and...
Welcome To The Era Of Agile Commerce
Traditional ways of describing multichannel commerce no longer work, because customers don't interact with companies from a channel perspective. Customers now use a rapidly evolving set of devices as...