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Chapter 16 - Online banking and investing. This chapter includes contents: Online banking services, online loans, how the web is changing the investment community, merging financial services, financial aggregation services, wireless banking and trading, financial planning online. | Chapter 16, Online Banking and Investing Outline 16.1 Introduction 16.2 Online Banking Services 16.2.1 Hybrid Banks 16.2.2 Internet-Only Banks 16.3 Online Loans 16.4 How the Web Is Changing the Investment Community 16.4.1 Electronic Communication Networks (ECNs) 16.4.2 Online Trading 16.4.3 Online Bond Trading 16.5 Merging Financial Services 16.6 Financial Aggregation Services 16.7 Wireless Banking and Trading 16.8 Financial Planning Online 16.1 Introduction Topics of discussion Online banking services provided by Internet-only banks Click-and-mortar banks The impact of the Internet on Wall Street Online stock and bond trading Electronic communication networks (ECNs) Financial aggregators Online lending and mortgage services Financial planning 16.2 Online Banking Services Brick-and-mortar banks have become click-and-mortar Internet-only banks lack the brand awareness and recognition of the click-and-mortar banks Internet banking services can reduce expenses Online payment decreases the float The time it takes for checks to clear after they have been sent for payment or deposited 16.2 Online Banking Services Internet delivers payments faster than mail Frees up cash and decreases accounts receivable The expected amount of payments owed to a company for products and services sold to customers Benefits to customers Can avoid buying stamps Do not have to send bills out early Account information available 24-by-7 Can view detailed account history at one time online instead of listening to individual transactions over the phone Risks Security breaches Office of the Currency (OCC) has warned people that sites mimicking bank sites can scam them for account information 16.2.1 Hybrid Banks Hybrid bank model Brick-and-mortar banks offering online services Prominence of brick-and-mortar brand names increase customers’ comfort levels when banking online Customers can visit a physical branch Physical presence includes the large network of ATMs Some charge monthly fees to . | Chapter 16, Online Banking and Investing Outline 16.1 Introduction 16.2 Online Banking Services 16.2.1 Hybrid Banks 16.2.2 Internet-Only Banks 16.3 Online Loans 16.4 How the Web Is Changing the Investment Community 16.4.1 Electronic Communication Networks (ECNs) 16.4.2 Online Trading 16.4.3 Online Bond Trading 16.5 Merging Financial Services 16.6 Financial Aggregation Services 16.7 Wireless Banking and Trading 16.8 Financial Planning Online 16.1 Introduction Topics of discussion Online banking services provided by Internet-only banks Click-and-mortar banks The impact of the Internet on Wall Street Online stock and bond trading Electronic communication networks (ECNs) Financial aggregators Online lending and mortgage services Financial planning 16.2 Online Banking Services Brick-and-mortar banks have become click-and-mortar Internet-only banks lack the brand awareness and recognition of the click-and-mortar banks Internet banking services can reduce expenses Online payment .