In an effort to bolster flagging growth in its banking on-line service, San Francisco-based Union Bank of California has struck a co-branding agreement with to reach the 2.3 million women who visit the Web site monthly.

Heather Robinson, vp of interactive markets at UBC, the third largest bank in California with $30.9 billion in assets, explains that UBC and other early entrants into the on-line banking market saw tremendous growth in the first few years of operation, but are now caught "in the chasm between the early (users of the technology) and the mass market."

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