ࡱ> IMQLJill-pay/yX;H,]ą'cDyK www.istockanalyst.comyK Thttp://www.istockanalyst.com/yX;H,]ą'cDyK Ehttp://www.netbanker.com/2005/02/my-spending-report-wells-fargo.htmlyK http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.htmlyX;H,]ą'cDyK www.pr-inside.comyK Lhttp://www.pr-inside.com/yX;H,]ą'c%DyK Research the cash management services available at three different commercial banks. Internet Banking Foreign Exchange For Small Business Spending Reports and Budget Watch ? Detail the different services available, the features of one particular service you believe to be the best, and the fees involved. ? Write a 1,050- to 1,400-word paper in APA format addressing the following and explaining each of your answers: o What are the advantages and disadvantages of each banks offering? o Which bank and cash management service would you choose? Why? o How can using a banks cash management service reduce opportunity cost for a health care organization? cite 3 sources... This is the paper i need done today. Online banking has brought traditional financial functionality into Cyberspace. The Compounded annual growth of online banking since 1994, has been 80%. Worldwide, more than 100 million households now bank online. Looking ahead, usage is projected to increase to 50+ million U.S. households. Worldwide, the total is expected to triple to 300 million or more households (Online Banking, 2003). In brief, Internet Banking enables financial institutions to market and sell new products, increase their end user base and build longer lasting relationships. Launching online banking services requires minimal demand on the banks existing infrastructure and resources. With Internet Banking, the Internet branch serves as the financial hub for end users' online banking needs and strengthens the brand and image. Banks view online banking as a powerful "value added" tool to attract and retain new customers while helping to eliminate costly paper handling and teller interactions in an increasingly competitive banking environment. The key benefits of online banking to businesses and consumers are time and convenience. Banking hours or holidays do not restrict online bankers; they have access to their account information 365 days a year. However, convenience is most likely the driving force in the demand and increase of online banking. The client has the ability to transfer funds, pay bills, review account balances, and monitor account history, all from the convenience of their keyboard. Online banking allows clients to bypass the time-consuming, paper-based aspects of Today, most large national banks and many regional banks offer some form of online banking. However there are varying degrees of online services offered by banks from the traditional brick and mortar banks who still depend exclusively on personal interaction, to the "brick-to-click" institutions who offer both a physical and online presence, to those who specialize in online or "virtual" banking only and have no physical branches or tellers whatsoever. The challenge for the banking industry has been to design this new service channel in such a way that its customers will readily learn to use and trust it. As an example, Internet Banking is offered at Bank of America, Wells Fargo, and Citicorp. In addition to Internet Banking as an example of cash management services though, two other recent offerings stand out: Foreign Exchange for Small Businesses, and an online interactive tool called Spending Reports and Budget Watch. Internet Banking Foreign Exchange For Small Business Spending Reports and Budget Watch fhttp://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/yK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/yX;H,]ą'cDLNBtv"(,b15;AAA4BhCjCDDDdVWhZ _yK www.istockanalyst.comyK Thttp://www.istockanalyst.com/yX;H,]ą'cDyK Ehttp://www.netbanker.com/2005/02/my-spending-report-wells-fargo.htmlyK http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.htmlyX;H,]ą'cDyK www.pr-inside.comyK Lhttp://www.pr-inside.com/yX;H,]ą'c%DyK fhttp://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/yK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/yX;H,]ą'cDyK www.istockanalyst.comyDELGNGGJ JJdKfKLFLHLLMMMPV"Y0_cgk0rwwwxydBV!@((P44>5@555555h6j6666666h?F^FU@VVVVVVVVzWWWWXXXbYdYhYZ ZpZrZtZZZZhah^h4tvz{{,{.{ůnHjU 0JB*CJj>*CJU>*CJj>*CJUjUjU0J>*B*CJjU jCJU6CJ *CJCJ@5`666<h?vENIN4RvUxUUU@VVVWhYjYlYZZZ^havgNkpd2/17/09), in  HYPERLINK http://www.istockanalyst.com www.istockanalyst.com. Bank of America and Citicorp offer extensive online banking services, all with the ability to download into Excel, Quicken, or manage with another software application. However, only Wells Fargo, to date, offers both other innovative products, the  Foreign Exchange for Small Business and the  Spending Report and Budget Watch. Wells Fargo Bank was the 2009 Winner of Barlow Research s Monarch Innovation Award. This prestigious award was created to honor certain financial institutions that provide the most innovative and consumer driven products to business customers. It is also known to reward risk-takers who create, promote, or exemplify innovation within their own organizations. What is so unique for this year is that Wells Fargo received two of the four awards. First, For the  Most Innovative Product, Wells Fargo s Foreign Exchange For Small Business was a clear winner. This product provides small and medium sized businesses with the tools to make international payments in more than 100 foreign currenc.{{{{Z|\|`|}N}P}}}}}}H~b~|~~~`bd026>@Blnth^4$ڪܪ|~  RTVxz68ȼ̶j CJUj CJUnHj U 0JB*CJjd>*CJU>*CJj>*CJU6CJ0J>*B*CJj~U0J jCJUjCJUCJ; Bank of America and Citicorp offer extensive online banking services, all with the ability to download into Excel, Quicken, or manage with another software application. However, only Wells Fargo, to date, offers both other innovative products, the  Foreig Bank of America and Citicorp offer extensive online banking services, all with the ability to download into Excel, Quicken, or manage with another software application. However, only Wells Fargo, to date, offers both other innovative products, the  Foreign Exchange for Small Business and the  Spending Report and Budget Watch. Wells Fargo Bank was the 2009 Winner of Barlow Research s Monarch Innovation Award. This prestigious award was created to honor certain financial institutions that provide the most innovative and consumer driven products to business customers. It is also known to reward risk-takers who create, promote, or exemplify innovation within their own organizations. What is so unique for this year is that Wells Fargo received two of the four awards. First, For the  Most Innovative Product, Wells Fargo s Foreign Exchange For Small Business was a clear winner. This product provides small and medium sized businesses with the tools to make international payments in more than 100 foreign currencies with  real time exchange rates and settlement by wire or draft. This innovation is available 24/7 and it is accessible for users simply through their Wells Fargo Business Online banking service. One of the Judges for Monarch, Bob Leahy, commented on this product by saying,  I especially liked that this product allows small businesses to print out paper drafts that they can mail to their overseas vendors, ( Digital Insight, 2/9/09). The 2009  Most Innovative Feature Award went to Wells Fargo as well for the My Spending Report with Budget Watch. This service was designed so that small businesses can many their funds by comparing total account inflows with outflows on a regular basis. It is really a cash flow management tool, and helps the business find ways to increase saving dollars, reduce debt, and do future planning. Because it is interactive, the business can customize the report directly for their business. These two awards to a great deal for Wells Fargo. First, they impact their Strategic Plan in showing how a tactical application focused on the small business field can be a powerful tool for gleaning and retaining accounts. Second, since this seems to be the sector Wells Fargo is most  after, the more innovative tools that can be utilized cost free for small businesses, the greater the potential for growing that segment of their base. This is especially critical in these economic times, and most critical in the global economy when many smaller businesses are doing transactions internationally. The most innovative of the two, after reviewing offerings from most other banks that have Internet banking is the  Online Banking Report  My Spending Reports. This is a free service to all Wells Fargo online banking customers. It actually allows a consumer to  manage but categorizing spending, sorting, reporting, and using all the data that the customer has in the account. Banks have had the data all along, it was giving the additional value to the customer that has been so innovative with Wells Fargo (See: Henderson, 2006). With this new service from Wells Fargo, clients,  combine spending transactions from a customer's check card, credit card, checking account and bill pay in one convenient place, accessed through a secured, online banking session and updated automatically each day. Electronic and bill payment transactions are organized by familiar categories such as gas/automotive, groceries, ATM withdrawals, etc. (Brune, 2005). References:  Digital Insight, Wells Fargo, and Bank of America Win Barlow Research s 2009 Monarch Innovation Award, (2/9/09), in  HYPERLINK http://www.pr-inside.com www.pr-inside.com. Henderson, Colin. (September 27, 2006),  Online Banking Report. The Bankwatch. Cited In:  HYPERLINK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/ http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report- trumps-free-bill-pay/.  Wells Fargo Awarded 2009 Monarch Innovation Awards By Barlow Research, (n Exchange for Small Business and the  Spending Report and Budget Watch. Wells Fargo Bank was the 2009 Winner of Barlow Research s Monarch Innovation Award. This prestigious award was created to honor certain financial institutions that provide the most+0P/ =!"#$% Bank of America and Citicorp offer extensive online banking services, all with the ability to download into Excel, Quicken, or manage with another software application. However, only Wells Fargo, to date, offers both other innovative products, the  Foreign Exchange for Small Business and the  Spending Report and Budget Watch. Wells Fargo Bank was the 2009 Winner of Barlow Research s Monarch Innovation Award. This prestigious award was created to honor certain financial institutions that provide the most innovative and consumer driven products to business customers. It is also known to reward risk-takers who create, promote, or exemplify innovation within their own organizations. What is so unique for this year is that Wells Fargo received two of the four awards. First, For the  Most Innovative Product, Wells Fargo s Foreign Exchange For Small Business was a clear winner. This product provides small and medium sized businesses with the tools to make international payments in more t What is Online Banking? , 2003brick and mortar and banking hours for more convenience and accessibility at home or work, or even on the road ( Online Banking Report, 2009). Bank of America and Citicorp offer extensive online banking services, all with th What is Online Banking? , 2003 Bank of America and Citicorp offer extensive online banking services, all with the ability to download into Excel, Quicken, or manage with another software application. However, only Wells Fargo, to date, offers both other innovative products, the  Foreign Exchange for Small Business and the  Spending Report and Budget Watch. Wells Fargo Bank was the 2009 Winner of Barlow Research s Monarch Innovation Award. This prestigious award was created to honor certain financial institutions that provide the most innovative and consumer driven products to business customers. It is also known to reward risk-takers who create, promote, or exemplify innovation within their own organizations. What is so unique for this year is that Wellies with  real time exchange rates and settlement by wire or draft. This innovation is available 24/7 and it is accessible for users simply through their Wells Fargo Business Online banking service. One of the Judges for Monarch, Bob Leahy, commented on tVWhZ _!'|+4064N4P4455ddhan 100 foreign currencies with  real time exchange rates and settlement by wire or draft. This innovation is available 24/7 and it is accessible for users simply through their Wells Fargo Business Online banking service. One of the Judges for Monarch, Bob Leahy, commented on this product by saying,  I especially liked that this product allows small businesses to print out paper drafts that they can mail to their overseas vendors, ( Digital Insight, 2/9/09). The 2009  Most Innovative Feature Award went to Wells Fargo as well for the My Spending Report with Budget Watch. This service was designed so that small businesses can many their funds by comparing total account inflows with outflows on a regular basis. It is really a cash flow management tool, and helps the business find ways to increase saving dollars, reduce debt, and do future planning. Because it is interactive, the business can customize the report directly for their business. These two awards to a great deal for Wells Fargo. First, they impact their Strategic Plan in showing how a tactical application focused on the small business field can be a powerful tool for gleaning and retaining accounts. Second, since this seems to be the sector Wells Fargo is most  after, the more innovative tools that can be utilized cost free for small businesses, the greater the potential for growing that segment of their base. This is especially critical in these economic times, and most critical in the global economy when many smaller businesses are doing transactions internationally. The most innovative of the two, after reviewing offerings from most other banks that have Internet banking is the  Online Banking Report  My Spending Reports. This is a free service to all Wells Fargo online banking customers. It actually allows a consumer to  manage but categorizing spending, sorting, reporting, and using all the data that the customer has in the account. Banks have had the data all along, it was giving the additional value to the customer that has been so innovative with Wells Fargo. References:  Digital Insight, Wells Fargo, and Bank of America Win Barlow Research s 2009 Monarch Innovation Award, (2/9/09), in  HYPERLINK http://www.pr-inside.com www.pr-inside.com.  Wells Fargo Awarded 2009 Monarch Innovation Awards By Barlow Research, (2/17/09), in  HYPERLINK http://www.istockanalyst.com www.istockanalyst.com. his product by saying,  I especially liked that this product allows small businesses to print out paper drafts that they can mail to their overseas vendors, ( Digital Insight, 2/9/09). The 2009  Most Innovative Feature Award went to Wells Fargo as wells Fargo received two of the four awards. First, For the  Most Innovative Product, Wells Fargo s Foreign Exchange For Small Business was a clear winner. This product provides small and medium sized businesses with the tools to make international payments in more than 100 foreign currencies with  real time exchange rates and settlement by wire or draft. This innovation is available 24/7 and it is accessible for users simply through their Wells Fargo Business Online banking service. One of the Judges for Monarch, Bob Leahy, commented on this product by saying,  I especially liked that this product allows small businesses to print out paper drafts that they can mail to their overseas vendors, ( Digital Insight, 2/9/09). The 2009  Most Innovative Feature Award went to Wells Fargo as well for the My Spending Report with Budget Watch. This service was designed so that small businesses can many their funds by comparing total account inflows with outflows on a regular basis. It is really a cash flow management tool, and helps the business find ways to increase saving dollars, reduce debt, and do future planning. Because it is interactive, the business can customize the report directly for their business. These two awards to a great deal for Wells Fargo. First, innovative and consumer driven products to business customers. It is also known to reward risk-takers who create, promote, or exemplify innovation within their own organizations. What is so unique for this year is that Wells Fargo received two of the four awards. First, For the  Most Innovative Product, Wells Fargo s Foreign Exchange For Small Business was a clear winner. This product provides small and medium sized businesses with the tools to make international payments in more than 100 foreign currenc for the My Spending Report with Budget Watch. This service was designed so that small businesses can many their funds by comparing total account inflows with outflows on a regular basis. It is really a cash flow management tool, and helps the business find ways to increase saving dollars, reduce debt, and do future planning. Because it is interactive, the business can customize the report directly for their business. These two awards to a great deal for Wells Fargo. First, they impact their Strategic Plan in showing how a tactical application focused on the small business field can be a powerful tool for gleaning and retaining accounts. Second, since this seems to be the sector Wells Fargo is most  after, the more innovative tools that can be utilized cost free for small businesses, the greater the potential for growing that segment of their base. This is especially critical in these economic times, and most critical in the global economy when many smaller businesses are doing transactions internationally. The most innovative of the two, after reviewing offerings from most other banks that have Internet banking is the  Online Banking Report  My Spending Reports. This is a free service to all Wells Fargo online banking customers. It actually allows a consumer to  manage but categorizing spending, sorting, reporting, and using all the data that the customer has in the account. Banks have had the data all along, it was giving the additional value to the customer that has been so innovative with Wells Fargo (See: Henderson, 2006). With this new service from Wells Fargo, clients,  combine spending transactions from a customer's check card, credit card, checking account and bill pay in one convenient place, accessed through a secured, online banking session and updated automatically each day. Electronic and bill payment transactions are organized by familiar categories such as gas/automotive, groceries, ATM withdrawals, etc. (Brune, 2005). It is the immediacy (real-time) and ability to keep all transactions in one place, AND do analysis of budgets (how much of our budget did we really spend on food last month), complete with reports that makes this product so fascinating and unique. Clients can now do the same kind of analysis at home that they typically tookies with  real time exchange rates and settlement by wire or draft. This innovation is available 24/7 and it is accessible for users simply through their Wells Fargo Business Online banking service. One of the Judges for Monarch, Bob Leahy, commented on this product by saying,  I especially liked that this product allows small businesses to print out paper drafts that they can mail to their overseas vendors, ( Digital Insight, 2/9/09). The 2009  Most Innovative Feature Award went to Wells Fargo as well for the My Spending Report with Budget Watch. This service was designed so that small businesses can many their funds by comparing total account inflows with outflows on a regular basis. It is really a cash flow management tool, and helps the business finnswer\beachnut1978_banking.docKelvinNC:\Users\Home\AppData\Local\Temp\AutoRecovery save of beachnut1978_banking.asdKelvin>C:\Users\Home\Documents\MayJustAnswer\beachnut1978_banking.docGFA  hhOJQJo(GFA@d   126GHU,-QRSehP@Q.QQQQ&Q QhQ|QPPP(P20Q1Q1QH1QJ1QR1Qt1Qv1Q1QB2QP2Q 3P44P64P4Q>5Q@5Q5Q5Q5P5P5Qh6Qj6Q6Q6Q6P6P!@G:Ax Times New Roman5Symbol3& :Cx Arial"1h7Y 4R 5! to a CPA  at no extra cost ( Wells Fargo Offers, 2005). References: Bruene, Jim. (February 17, 2005).  My Spending Report, NetBanker. Cited in:  HYPERLINK http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.html http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.html  Digital Insight, Wells Fargo, and Bank of America Win Barlow Research s 2009 Monarch Innovation Award, (2/9/09), in  HYPERLINK http://www.pr-inside.com www.pr-inside.com. Henderson, Colin. (September d ways to increase saving dollars, reduce debt, and do future planning. Because it is interactive, the business can customize the report directly for their business. These two awards to a great deal for Wells Fargo. First, they impact their Strategic Plan in showing how a tactical application focused on the small business field can be a powerful tool for gleaning and retaining accounts. Second, since this seems to be the sector Wells Fargo is most  after, the more innovative tools that can be utilized cost free for small businesses, the greater the potential for growing that segment of their base. This is especially critical in these economic times, and most critical in the global economy when many smaller businesses are doing transactions internationally. The most innovative of the two, after reviewing offerings from most other banks that have Internet banking is the  Online Banking Report  My Spending Reports. This is a free service to all Wells Fargo online banking customers. It actually allows a consumer to  manage but categorizing spending, sorting, reporting, and using all the data that the customer has in the account. Banks have had the data all along, it was giving the additional value to the customer that has been so innovative with Wells Fargo (See: Henderson, 2006). With this new service from Wells Fargo, clients,  combine spending transactions from a customer's check card, credit card, checking account and bill pay in one convenient place, accessed through a secured, online banking session and updated automatically each day. Electronic and bill payment transactions are organized by familiar categories such as gas/automotive, groceries, ATM withdrawals, etc. (Brune, 2005). It is the immediacy (real-time) and ability to keep all transactions in one place, AND do analysis of budgets (how much of our budget did we really spend on food last month), complete with reports that makes this product so fascinating and unique. Clients can now do the same kind of analysis at home that they typically took to a CPA  at no extra cost ( Wells Fargo Offers, 2005). These analytical tools, however, are not just limited to one s personal account. Business accounts can utilize them as well, and in the case of a health-care organization, the use of budgeting and most especially, forecasting tools would provide a unique way to manage and strategically plan. In any organization, fiscal analysis and budgetary planning is usually done by the CFO, or the accounting department, and typically takes a great deal of time because all the needed data is not accessible real time. But with this new program, at any given snapshot, one can revisit scenarios and make adjustments and plans for future use of cash, as well as examine a more accurate picture of the business as it is 4d|> SResearch the cash management services available at three different commercial banksKelvinKelvinD27, 2006),  Online Banking Report. The Bankwatch. Cited In:  HYPERLINK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/ http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report- trumps-free-bill-pay/.  Wells Fargo Awarded 2009 Monarch Innovation Awards By Barlow Research, (2/17/09), in  HYPERLINK http://www.istockanalyst.com www.istockanalyst.com. they impact their Strategic Plan in showing how a tactical application focused on the small business field can be a powerful tool for gleaning and retaining accounts. Second, since this seems to be the sector Wells Fargo is most  after, the more innovative tools that can be utilized cost free for small businesses, the greater the potential for growing that segment of their base. This is especially critical in these economic times, and most critical in the global economy when many smaller businesses are doie ability to download into Excel, Quicken, or manage with another software application. However, only Wells Fargo, to date, offers both other innovative products, the  Foreign Exchange for Small Business and the  Spending Report and Budget Watch. Wells Fargo Bank was the 2009 Winner of Barlow Research s Monarch Innovation Award. This prestigious award was created to honor certain financial institutions that provide the most innovative and consumer driven products to business customers. It is also known to reward risk-takers who create, promote, or exemplify innovation within their own organizations. What is so unique for this year is that Wells Fargo received two of the four awards. First, For the  Most Innovative Product, Wells Fargo s Foreign Exchange For Small Business was a clear winner. This product provides small and medium sized businesses with the tools to make international payments in more than 100 foreign currencies with  real time exchange rates and settlement by wire or draft. This innovati802>PrbFHLFH@ZtvXZ\(*@BDnp4RX\n  6jCJUjCJUjCJUj!CJUnH6CJj+CJU0J>*B*CJ jCJUjCJUCJCj.0tv$VXb   4hjd What is Online Banking? , 2003brick and mortar and banking hours for more convenience and accessibility at home or work, or even on the road ( Online Banking Report, 2009). Bank of America and Citicorp offer extensive online banking services, all with the ability to download into Excel, Quicken, or manage with another software application. However, only Wells Fargo, to date, offers both other innovative products, the  Foreign Exchange for Small Business and the  Spending Report and Budget Watch. Wells Fargo Bank was the 2009 Winner of Barlow Research s Monarch Innovation Award. This prestigious award was created to honor certain financial institutions that provide the most innovative and consumer driven products to business customers. It is also known to reward risk-takers who create, promote, or exemplify innovation within their own organizations. What is so unique for this year is that Wells Fargo received two of the four awards. First, For the  Most Innovative Product, Wells Fargo s Foreign Exchangeng transactions internationally. The most innovative of the two, after reviewing offerings from most other banks that have Internet banking is the  Online Banking Report  My Spending Reports. This is a free service to all Wells Fargo online banking customers. It actually allows a consumer to  manage but categorizing spending, sorting, reporting, and using all the data that the customer has in the account. Banks have had the data all along, it was giving the additional value to the customer that has been so innovative with Wells Fargo (See: Henderson, 2006). With this new service from Wells Fargo, clients,  combine spending transactions from a customer's check card, credit card, checking account and bill pay in one convenient place, accessed through a secured, online banking session and updated automatically each day. Electronic and bill payment transactions are organized by familiar categories such as gas/automotive, groceries, ATM withdrawals, etc. (Brune, 2005). It is the immediacy (real-time) and ability to keep all transactions in one place, AND do analysis of budgets (how much of our budget did we really spend on food last month), complete with reports that makes this product so fascinating and unique. Clients can now do the same kind of analysis at home that they typically took to a CPA  at no extra cost ( Wells Fargo Offers, 2005). These analytical tools, however, are not just limited to one s personal account. Business accounts can utilize them as well, and in the case of a health-care organization, the use of budgeting and most especially, forecasting tools would provide a unique way to manage and strategically plan. In any organization, fiscal analysis and budgetary planning is usually done by the CFO, or the accounting department, and typically takes a great deal of time because all the needed data is not accessible real time. But with this new program, at any given snapshot, one can revisit scenarios and make adjustments and plans for future use of cash, as well as examine a more accurate picture of the business as it is on a daily basis. References: Bruene, Jim. (February 17, 2005).  My Spending Report, NetBanker. Cited in:  HYPERLINK http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.html http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.html  Digital Insight, Wells Fargo, and Bank of America Win Barlow Research s 2009 Monarch Innovation Award, (2/9/09), Cited in  HYPERLINK http://www.pr-inside.com www.pr-inside.com. Henderson, Colin. (September 27, 2006),  Online Banking Report. The Bankwatch. Cited In:  HYPERLINK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/ http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report- trumps-free-bill-pay/.  Wells Fargo Awarded 2009 Monarch Innovation Awards By Barlow Research, (2/17/09), Cited in  HYPERLINK http://www.istockanalyst.com www.istockanalyst.com.  Wells Fargo Offers and Online Personal Spending Report for Retail Customers, (May 1, 2005). Marketing News. on is available 24/7 and it is accessible for users simply through their Wells Fargo Business Online banking service. One of the Judges for Monarch, Bob Leahy, commented on this product by saying,  I especially liked that this product allows small businessت ~,68ԺDrbd|JLd What is Online Banking? , 2003brick and mortar and banking hours for more convenience and accessibility at home or work, or even on the road ( Online Banking Report, 2009).dily learn to use and trust it (Ponemon, 2005). Bank of America and Citicorp offerll-pay/yK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/yX;H,]ą'cDyK www.istockanalyst.comyK Thttp://www.istockanalyst.com/yX;H,]ą'con a daily basis. References: Bruene, Jim. (February 17, 2005).  My Spending Report, NetBanker. Cited in:  HYPERLINK http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.html http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.html  Digital Insight, Wells Fargo, and Bank of America Win Barlow Research s 2009 Monarch Innovation Award, (2/9/09), Cited in  HYPERLINK http://www.pr-inside.com www.pr-inside.com. Henderson, Colin. (September 27, 2006),  Online Banking Report. The Bankwatch. Cited In:  HYPERLINK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/ http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report- trumps-free-bill-pay/.  Wells Fargo Awarded 2009 Monarch Innovation Awards By Barlow Research, (2/17/09), Cited in  HYPERLINK http://www.istockanalyst.com www.istockanalyst.com.  Wells Fargo Offers and Online Personal Spending Report for Retail Customers, (May 1, 2005). Marketing News. For Small Business was a clear winner. This product provides small and medium sized businesses with the tools to make international payments in more than 100 foreign currencies with  real time exchange rates and settlement by wire or draft. This innovation is available 24/7 and it is accessible for users simply through their Wells Fargo Business Online banking service. One of the Judges for Monarch, Bob Leahy, commented on this product by saying,  I especially liked that this product allows small businessp4tvzxzz*{^|`|}}}r~68:rthvN4v$&>تdes to print out paper drafts that they can mail to their overseas vendors, ( Digital Insight, 2/9/09). The 2009  Most Innovative Feature Award went to Wells Fargo as well for the My Spending Report with Budget Watch. This service was designed so that small businesses can many their funds by comparing total account inflows with outflows on a regular basis. It is really a cash flow management tool, and helps the business find ways to increase saving dollars, reduce debt, and do future planning. Because it is interactive, the business can customize the report directly for their business. These two awards to a great deal for Wells Fargo. First, they impact their Strategic Plan in showing how a tactical application focused on the small business field can be a powerful tool for gleaning and retaining accounts. Second, since this seems to be the sector Wells Fargo is most  after, the more innovative tools that can be utilized cost free for small businesses, the greater the potential for growing that segment of their base. This is especially critical in these economic times, and most critical in the global economy when many smaller businesses are doing transactions internationally. The most innovative of the two, after reviewing offerings from most other banks that have Internet banking is the  Online Banking Report  My Spending Reports. This is a free service to all Wells Fargo online banking customers. It actually allows a consumer to  manage but categorizing spending, sorting, reporting, and using all the data that the customer has in the account. Banks have had the data all along, it was giving the additional value to the customer that has been so innovative with Wells Fargo (See: Henderson, 2006). With this new service from Wells Fargo, clients,  combine spending transactions from a customer's check card, credit card, checking account and bill pay in one convenient place, accessed through a secured, online banking session and updated automatically each day. Electronic and bill payment transactions are organized by familiar categories such as gas/automotive, groceries, ATM withdrawals, etc. (Brune, 2005). It is the immediacy (real-time) and ability to keep all transactions in one place, AND do analysis of budgets (how much of our budget did we really spend on food last month), complete with reports that makes this product so fascinating and unique. Clients can now do the same kind of analysis at home that they typically took to a CPA  at no extra cost ( Wells Fargo Offers, 2005). These analytical tools, however, are not just limited to one s personal account. Business accounts can utilize them as well, and in the case of a health-care organization, the use of budgeting and most especially, forecasting tools would provide a unique way to manage and strates to print out paper drafts that they can mail to their overseas vendors, ( Digital Insight, 2/9/09). The 2009  Most Innovative Feature Award went to Wells Fargo as well for the My Spending Report with Budget Watch. This service was designed so that small businesses can many their funds by comparing total account inflows with outflows on a regular basis. It is really a cash flow management tool, and helps the business find ways to increase saving dollars, reduce debt, and do future planning. Because it is interactive, the business can customize the report directly for their business. These two awards to a great deal for Wells Fargo. First, they impact their Strategic Plan in showing how a tactical application focused on the small business field can be a powerful tool for gleaning and retaining accounts. Second, since this seems to be the sector Wells Fargo is most  after, the more innovative tools that can be utilized cost free for small businesses, the greater the potential for growing that segment of their base. This is especially critical in these economic times, and most critical in the global economy when many smaller businesses are doing transactions internationally. The most innovative of the two, after reviewing offerings from most other banks that have Internet banking is the  Online Banking Report  My Spending Reports. This is a free service to all Wells Fargo online banking customers. It actually allows a consumer to  manage but categorizing spending, sorting, reporting, and using all the data that the customer has in the account. Banks have had the data all along, it was giving the additional value to the customer that has been so innovative with Wells Fargo (See: Henderson, 2006). With this new service from Wells Fargo, clients,  combine spending transactions from a customer's check card, credit card, checking account and bill pay in one convenient place, accessed through a secured, online banking session and updated automatically each day. Electronic and bill payment transactions are organized by familiar categories such as gas/automotive, groceries, ATM withdrawals, etc. (Brune, 2005). It is the immediacy (real-time) and ability to keep all transactions in one place, AND do analysis of budgets (how much of our budget did we really spend on food last month), complete with reports that makes this product so fascinating and unique. Clients can now do the same kind of analysis at home that they typically took to a CPA  at no extra cost ( Wells Fargo Offers, 2005). These analytical tools, however, are not just limited to one s personal account. Business accounts can utilize them as well, and in the case of a health-care organization, the use of budgeting and most especially, forecasting tools would provide a unique way to manage and strategically plan. In any organization, fiscal analysis and budgetary planning is usually done by the CFO, or the accounting department, and typically takes a great deal of time because all the needed data is not accessible real time. But with this new programDyK www.pr-inside.comyK Lhttp://www.pr-inside.com/yX;H,]ą'cDyK www.istockanalyst.comyK Thttp://www.istockanalyst.com/yX;H,]ą'cDyK www.pr-inside.comyK Lhttp://www.pr-inside.com/yX;H,]ą'c%DyK fhttp://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/yK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/yX;H,]ą'cDyK www.istockanalyst.comyK Thttp://www.istockanalyst.com/yX;H,]ą'cDyK Ehttp://www.netbanker.com/2005/02/my-spending-report-wells-fargo.htmlyK http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.htmlyX;H,]ą'cDyK www.pr-inside.comyK Lhttp://www.pr-inside.com/yX;H,]ą'c%DyK fhttp://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/yK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/yX;H,]ą'cDyK www.istockanalyst.comyK Thttp://www.istockanalyst.com/yX;H,]ą'cDyK Ehttp://www.netbanker.com/2005/02/my-spending-report-wells-fargo.htmlyK http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.htmlyX;H,]ą'cDyK www.pr-inside.comyK Lhttp://www.pr-inside.com/yX;H,]ą'c%DyK fhttp://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/yK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-b, at any given snapshot, one can revisit scenarios and make adjustments and plans for future use of cash, as well as examine a more accurate picture of the business as it is on a daily basis. References: Bruene, Jim. (February 17, 2005).  My Spending Repoegically plan. In any organization, fiscal analysis and budgetary planning is usually done by the CFO, or the accounting department, and typically takes a great deal of time because all the needed data is not accessible real time. But with this new program extensive online banking services, all with the ability to download into Excel, Quicken, or manage with another software application. However, only Wells Fargo, to date, offers both other innovative products, the  Foreign Exchange for Small Business and the  Spending Report and Budget Watch. Wells Fargo Bank was the 2009 Winner of Barlow Research s Monarch Innovation Award. This prestigious award was created to honor certain financial institutions that provide the most innovative and consumer driven products to business customers. It is also known to reward risk-takers who create, promote, or exemplify innovation within their own organizations. What is so unique for this year is that Wells Fargo received two of the four awards. First, For the  Most Innovative Product, Wells Fargo s Foreign Exchange For Small Business was a clear winner. This product provides small and medium sized businesses with the tools to make international payments in more than 100 foreign currencies with  real time exchange rates and settlement by wire or draft. This innovation is available 24/7 and it is accessible for users simply through their Wells Fargo Business Online banking service. One of the Judges for Monarch, Bob Leahy, commented on this product by saying,  I especially liked that this product allows small businesses to print out paper drafts that they can mail to their overseas vendors, ( Digital Insight, 2/9/09). The 2009  Most Innovative Feature Award went to Wells Fargo as well for the My Spending Report with Budget Watch. This service was designed so that small businesses can many their funds by comparing total account inflows with outflows on a regular basis. It is really a cash flow management tool, and helps the business find ways to increase saving dollars, reduce debt, and do future planning. Because it is interactive, the business can customize the report directly for their business. These two awards to a great deal for Wells Fargo. First, they impact their Strategic Plan in showing how a tactical application focused on the small business field can be a powerful tool for gleaning and retaining accounts. Second, since this seems to be the sector Wells Fargo is most  after, the more innovative tools that can be utilized cost free for small businesses, the greater the potential for growing that segment of their base. This is especially critical in these economic times, and most critical in the global economy when many smaller businesses are doing transactions internationally. The most innovative of the two, after reviewing offerings from most other banks that have Internet banking is the  Online Banking Report  My Spending Reports. This is a free service to all Wells Fargo online banking customers. It actually allows a consumer to  manage but categorizing, at any given snapshot, one can revisit scenarios and make adjustments and plans for future use of cash, as well as examine a more accurate picture of the business as it is on a daily basis. References: Bruene, Jim. (February 17, 2005).  My Spending Report, NetBanker. Cited in:  HYPERLINK http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.html http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.html  Digital Insight, Wells Fargo, and Bank of America Win Barlow Research s 2009 Monarch Innovation Award, (2/9/09), Cited in  HYPERLINK http://www.pr-inside.com www.pr-inside.com. Henderson, Colin. (September 27, 2006),  Online Banking Report. The Bankwatch. Cited In:  HYPERLINK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/ http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report- trumps-free-bill-pay/.  Online Banking Report, (2009). Online Financial Innovations. Cited in:  HYPERLINK http://www.onlinebankingreport.com/subscriptions/browseresults.html?tid=&pid=1&year=&subbrowse=Browse&PHPSESSID=20090531174131338981127 http://www.onlinebankingreport.com/subscriptions/browseresults.html?tid=&pid=1&year=&subbrowse=Browse&PHPSESSID=20090531174131338981127  Wells Fargo Awarded 2009 Monarch Innovation Awards By Barlow Research, (2/17/09), Cited in  HYPERLINK http://www.istockanalyst.com www.istockanalyst.com.  Wells Fargo Offers and Online Personal Spending Report for Retail Customers,68dfjdf^xvxzFH ^`bRpXZ\\"n))5A BB6B8BBBBdCfCjCDdDfDDjCJUnH0JjeCJUjoCJUjJCJU6CJjdCJU0J>*B*CJjCJUCJ jCJU? (May 1, 2005). Marketing News.  What is Online Banking,? (2003). Bankrate.com. Cited in:  HYPERLINK http://www.bankrate.com/brm/olbstep2.asp http://www.bankrate.com/brm/olbstep2.asp. {{{2{4{{{{{|||}}}*~>~@~fhjxz<> ܃ރ\BDFHj1CJUj0CJUje/CJUjo.CJUj+CJUj)CJU6CJCJ0J>*B*CJ jCJUj(CJU< What is Online Banking? , 2003brick and mortar and banking hours for more convenience and accessibility at home or work, or even on the road ( Online Banking Report, 2009).dily learn to use and trust it (Ponemon, 2005). ( HYPERLINK http://www.bankofamerK Thttp://www.istockanalyst.com/yX;H,]ą'c1DyK )http://www.bankrate.com/brm/olbstep2.aspyK jhttp://www.bankrate.com/brm/olbstep2.aspyX;H,]ą'cDyK Ehttp://www.netbanker.com/2005/02/my-spending-report-wells-fargo.htmlyK http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.htmlyX;H,]ą'cDyK www.pr-inside.comyK Lhttp://www.pr-inside.comrt, NetBanker. Cited in:  HYPERLINK http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.html http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.html  Digital Insight, Wells Fargo, and Bank of America Win Barlow Research s 2009 Monarch Innovation Award, (2/9/09), Cited in  HYPERLINK http://www.pr-inside.com www.pr-inside.com. Henderson, Colin. (September 27, 2006),  Online Banking Report. The Bankwatch. Cited In:  HYPERLINK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/ http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report- trumps-free-bill-pay/.  Wells Fargo Awarded 2009 Monarch Innovation Awards By Barlow Research, (2/17/09), Cited in  HYPERLINK http://www.istockanalyst.com www.istockanalyst.com.  Wells Fargo Offers and Online Personal Spending Report for Retail Customers, (May 1, 2005). Marketing News.  What is Online Banking,? (2003). Bankrate.com. Cited in:  HYPERLINK http://www.bankrate.com/brm/olbstep2.asp http://www.bankrate.com/brm/olbstep2.asp. spending, sorting, reporting, and using all the data that the customer has in the account. Banks have had the data all along, it was giving the additional value to the customer that has been so innovative with Wells Fargo (See: Henderson, 2006). With this new service from Wells Fargo, clients,  combine spending transactions from a customer's check card, credit card, checking account and bill pay in one convenient place, accessed through a secured, online banking session and updated automatically each day.ica.com; www.bankofamerica.com;  HYPERLINK http://www.citibank.com; www.citibank.com;  HYPERLINK http://www.wellsfargo.com www.wellsfargo.com) Bank of America and Citicorp offer extensive online banking services, all with the ability to download into Excel, Quicken, or manage with another software application. However, only Wells Fargo, to date, offers both other innovative products, the  Foreign Exchange for Small Business and the  Spending Report and Budget Watch. Wells Fargo Bank was the 2009 Winner of Barlow Research s Monarch Innovation Award. This prestigious award was created to honor certain financial institutions that provide the most innovative and consumer driven products to business customers. It is also known to reward risk-takers who create, promote, or exemplify innovation within their own organizations. What is so unique for this year is that Wells Fargo received two of the four awards. First, For the  Most Innovative Product, Wells Fargo s Foreign Exchange For Small Business was a clear winner. This product provides small and medium sized businesses with the tools to make international payments in more than 100 foreign currencies with  real time exchange rates and settlement by wire or draft. This innovation is available 24/7 and it is accessible for users simply through their Wells Fargo Business Online banking service. One of the Judges for Monarch, Bob Leahy, commented on this product by saying,  I especially liked that this product allows small businesses to print out paper drafts that they can mail to their overseas vendors, ( Digital Insight, 2/9/09). The 2009  Most Innovative Feature Award went to Wells Fargo as well for the My Spending Report with Budget Watch. This service was designed so that small businesses can many their funds by comparing total account inflows with outflows on a regular basis. It is really a cash flow management tool, and helps the business find ways to increase saving dollars, reduce debt, and do future planning. Because it is interactive, the business can customize the report directly for their business. These two awards to a great deal for Wells Fargo. First, they impact their Strategic Plan in showing how a tactical application focused on the small business field can be a powerful tool for gleaning and retaining accounts. Second, since this seems to be the sector Wells Fargo is most  after, the more innovative tools that can be utilized cost free for small businesses, the greater the potential for growing that segment of their base. This is especially critical in these economic times, and most critical in the global economy when many smaller businesses are doing transactions internationally. The most innovative of the two, after reviewing offerings from most other banks that have Internet banking is the  Online Banking Report  My Spending Reports. This is a free service to all Wells Fargo online banking customers. It actually allows a consumer to  manage but categorizing spending, sorting, reporting, and using all the data that the cust Electronic and bill payment transactions are organized by familiar categories such as gas/automotive, groceries, ATM withdrawals, etc. (Brune, 2005). It is the immediacy (real-time) and ability to keep all transactions in one place, AND do analysis of budgets (how much of our budget did we really spend on food last month), complete with reports that makes this product so fascinating and unique. Clients can now do the same kind of analysis at home that they typically took to a CPA  at no extra cost ( WellDDDDD^ExEEEvFxFzFFGHGGGGGI I IJJJJ0K2K4K^K`K$LBLLLLL*M,M.M~MMMSSPV"Y_`kwhxzxxx6y8y:yyyyvzzz {j'CJUnHj%CJUj$CJUjB"CJUj CJU6CJCJ0J>*B*CJ jCJUj7CJU?yK )http://www.bankrate.com/brm/olbstep2.aspyK jhttp://www.bankrate.com/brm/olbstep2.aspyX;H,]ą'cDyK Ehttp://www.netbanker.com/2005/02/my-spending-report-wells-fargo.htmlyK http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.htmlyX;H,]ą'cDyK www.pr-inside.comyK Lhttp://www.pr-inside.com/yX;H,]ą'c%DyK fhttp://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/yK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/yX;H,]ą'cDyK http://www.onlinebankingreport.com/subscriptions/browseresults.html?tid=&pid=1&year=&subbrowse=Browse&PHPSESSID=20090531174131338981127yK (http://www.onlinebankingreport.com/subscriptions/browseresults.html?tid=&pid=1&year=&subbrowse=Browse&PHPSESSID=20090531174131338981127yX;H,]ą'cDyK www.istockanalyst.comyK Thttp://www.istockanalyst.com/yX;H,]ą'c1DyK )http://www.bankrate.com/brm/olbstep2.aspyK jhttp://www.bankrate.com/brm/olbstep2.aspyX;H,]ą'c,]ą'cDyK www.istockanalyst.comyK Thttp://www.istockanalyst.com/yX;H,]ą'cDfhttp://thebankwatomer has in the account. Banks have had the data all along, it was giving the additional value to the customer that has been so innovative with Wells Fargo (See: Henderson, 2006). With this new service from Wells Fargo, clients,  combine spending transactions from a customer's check card, credit card, checking account and bill pay in one convenient place, accessed through a secured, online banking session and updated automatically each day. Electronic and bill payment transactions are organized by familiar categories such as gas/automotive, groceries, ATM withdrawals, etc. (Brune, 2005). It is the immediacy (real-time) and ability to keep all transactions in one place, AND do analysis of budgets (how much of our budget did we really spend on food last month), complete with reports that makes this product so fascinating and unique. Clients can now do the same kind of analysis at home that they typically took to a CPA  at no extra cost ( Wells Fargo Offers, 2005). These analytical tools, however, are not j/yX;H,]ą'c%DyK fhttp://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/yK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/yX;H,]ą'cDyK http://www.onlinebankingreport.com/subscriptions/browseresults.html?tid=&pid=1&year=&subbrowse=Browse&PHPSESSID=20090531174131338981127yK (http://www.onlinebankingreport.com/subscriptions/browseresults.html?tid=&pid=1&year=&subbrowse=Browse&PHPSESSID=20090531174131338981127yX;H,]ą'cDyK www.istockanalyst.comyK Thttp://www.istockanalyst.com/yX;H,]ą'c1Dust limited to one s personal account. Business accounts can utilize them as well, and in the case of a health-care organization, the use of budgeting and most especially, forecasting tools would provide a unique way to manage and strategically plan. 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But with this new program, at any given snapshot, one can revisit scenarios and make adjustments and plans for future use of cash, as well as examine a more accurate picture of the business as it is on a daily basis. References: Bruene, Jim. (February 17, 2005).  My Spending Report, NetBanker. Cited in:  HYPERLINK http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.html http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.html  Digital Insight, Wells Farg [$@$NormalmH 4`4 Heading 1$@&CJnH <A@<Default Paragraph Font4B`4 Body TextdCJnH (U`( Hyperlink>*B*FC`FBody Text Indent hdCJnH 8V@!8FollowedHyperlink>*B* ") n " )qtu-.fg %!r!s!!!!""""".{86DM B[5pتDM AZs UnknownKelvin-r*cE /!Y!o! 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Cited in:  HYPERLINK http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.html http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.html  Digital Insight, Wells Fargo, and Bank of America Win Barlow Research s 2009 Monarch Innovation Award, (2/9/09), Cited in  HYPERLINK http://www.pr-inside.com www.pr-inside.com. Henderson, Colin. (September 27, 2006),  Online Banking Report. The Bankwatch. Cited In:  HYPERLINK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/ http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report- trumps-free-bill-pay/.  Online Banking Report, (2009). Online Financial Innovations. Cited in:  HYPERLINK http://www.onlinebankingreport.com/subscriptions/browseresults.html?tid=&pid=1&year=&subbrowse=Browse&PHPSESSID=20090531174131338981127 http://www.onlinebankingreport.com/subscriptions/browseresults.html?tid=&pid=1&year=&subbrowse=Browse&PHPSESSID=20090531174131338981127 Pone W XYZyyvz8{:{{}}>~|~(ārʍ:hdmon, L. (April 26, 2005).  Trust in Online Banking. Computerworld. Cited in:  HYPERLINK http://www.computerworld.com/action/article.do?command=viewArticleBasic&articleId=101341 http://www.computerworld.com/action/article.do?command=viewArticleBasic&articleId=101341.  Wells Fargo Awarded 2009 Monarch Innovation Awards By Barlow Research, (2/17/09), Cited in  HYPERLINK http://www.istockanalyst.com www.istockanalyst.com.  Wells Fargo Offers and Online Personal Spending Report for Retail Customers, (May 1, 2005). Marketing News.  What is Online Banking,? (2003). Bankrate.com. Cited in:  HYPERLINK http://www.bankrate.com/brm/olbstep2.asp http://www.bankrate.com/brm/olbstep2.asp.  .046ʍFhX<>B<>6PjlNPR hjfhj246`j<CJUj:CJUj 8CJUj5CJUj4CJUj]3CJUnH6CJCJ0J>*B*CJ jCJUjt2CJU?Xpr @B`$& "̺fhHJ$dlbstep2.aspyK jhttp://www.bankrate.com/brm/olbstep2.aspyX;H,]ą'cDyK www.bankofamerica.com;yK Vhttp://www.bankofamerica.com;/yX;H,]ą'cDyK www.citibank.com;yK Lhttp://www.citibank.com;/yX;H,]ą'cDyK www.wellsfargo.comyK Nhttp://www.wellsfargo.com/yX;H,]ą'cDyK Ehttp://www.netbanker.com/2005/02/my-spending-report-wells-fargo.htmlyK http://www.netbanker.com/2005/02/my-spending-report-wells-fargo.htmlyX;H,]ą'cDyK www.pr-inside.comyK Lhttp://www.pr-inside.com/yX;H,]ą'c%Do, and Bank of America Win Barlow Research s 2009 Monarch Innovation Award, (2/9/09), Cited in  HYPERLINK http://www.pr-inside.com www.pr-inside.com. Henderson, Colin. (September 27, 2006),  Online Banking Report. The Bankwatch. Cited In:  HYPERLINK http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report-trumps-free-bill-pay/ http://thebankwatch.com/2006/09/27/online-banking-report-why-my-spending-report- trumps-free-bill-pay/.  Online Banking Report, (2009). Online Financial Innovations. Cited in:  HYPERLINK http://www.onlinebankingreport.com/subscriptions/browseresults.html?tid=&pid=1&year=&subbrowse=Browse&PHPSESSID=20090531174131338981127 http://www.onlinebankingreport.com/subscriptions/browseresults.html?tid=&pid=1&year=&subbrowse=Browse&PHPSESSID=20090531174131338981127  Wells Fargo Awarded 2009 Monarch Innovation Awards By Barlow Research, (2/17/09), Cited in  HYPERLINK http://www.istockanalyst.com www.istockanalyst.com.  Wells Fargo Offers and Online Personal Spending Report for Retail Customers, (May 1, 2005). Marketing News.  What is Online Banking,? (2003). Bankrate.com. 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