2008 was tumultuous for financial services. Banks and lenders closed their doors, merged, saw their stock prices plummet, and slowed lending to all but the best consumers. So what should eBusiness executives expect for 2009? Forrester believes that eBusiness executives need to understand the impact of the economy on how they should run their business. They should place focus on projects that provide clear return on investment (ROI), enhance customer retention, and take into account economic factors that will undoubtedly change consumers' needs.