"...The main purpose of this article is to help fill significant gaps in existing knowledge about the Internet banking landscape. Using information drawn from a survey of national bank examiners, we present data on the number of national banks offering Internet banking and the products and services being offered.
In addition, we project the extent of Internet banking at the beginning of 2001 implied by the survey. We also investigate how national banks offering Internet banking perform relative to other national banks with respect to profitability, cost efficiency, and other characteristics.
We separately examine de novo (newly chartered) national banks to investigate the extent to which new entrants are embracing Internet banking technology to a different degree than existing banks."
Click here for the full 20-page Adobe Acrobat document - "Who Offers Internet Banking?" - July 6, 2000