Over the next five years, online acquisition will become more mainstream in North America, leading to a large portion of overall sales moving online for both checking and savings accounts. For example, by 2013, 37% of US online consumers who apply for savings accounts will do so online. Drivers of the growth in online applications include demand factors like age, online tenure, and perceived security. Additionally, more firms will offer the ability to apply online for deposit products, and the quality of the online shopping experience will increase usage.