From: Subject: Finextra: Credit card customers want to manage accounts online - study Date: Mon, 14 Apr 2008 10:09:15 +1000 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_0000_01C89E17.97F80770" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.3198 This is a multi-part message in MIME format. ------=_NextPart_000_0000_01C89E17.97F80770 Content-Type: text/html; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.finextra.com/fullstory.asp?id=18329 Finextra: Credit card customers want to manage = accounts online - study
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  11 April 2008 - = 11:05

Credit card customers want to manage = accounts online=20 - study

The majority of credit card holders = want to=20 manage their accounts via the Web, according to a UK study = from=20 customer research outfit Global Reviews which found that = Lloyds TSB=20 provided the best online experience for card = customers.

Global Reviews says it asked over 1000 people how they = choose a=20 credit card, the role the Internet plays in the process and = what=20 information and service they would like their provider to = offer=20 online.

Around two thirds (64%) of people prefer to apply for = credit=20 cards online, with only 20% saying they would rather go to a = branch=20 and seven per cent saying they would prefer to use the = phone.=20

Over two thirds (68%) of respondents also want to be able = to=20 manage their credit card account via the Web.

But despite this, rates and fees are still the most = important=20 criteria for customers when choosing a credit card provider, = with=20 51% citing 'no annual fee' as the most important criteria = and 46%=20 citing interest rates. Only 40% said online account = management was=20 most important to them when choosing a card.

However the Internet is also a popular tool for finding=20 information, with 78% of credit card customers using the Web = to=20 research deals. In contrast, only 11% visit a branch for = credit card=20 information and two per cent use the phone.=20

As part of the study Global Reviews created a benchmark = of best=20 practice with over 540 different criteria against which 12 = of the=20 UK's leading provider Web sites were assessed. Criteria = included the=20 content and tools, customer support, prospective customer=20 information, online application and site utility.=20

Lloyds TSB's credit card Web site came out top in the = study and=20 scored 60% against an industry average of 48%, followed by = Egg with=20 53% and HSBC with 49%. Lloyds TSB was also found to offer = the best=20 online application service, scoring 56% against an industry = average=20 of only 36%.=20

Virtual bank First Direct came last in the study of 12, = scoring=20 just 33% against an industry average of 48%. Natwest was = found to be=20 the second worst site scoring 40%, followed by Hbos on 41% = and=20 Virgin with 42%.

Egg received the highest scores for information for = prospective=20 customers (73%) and customer support (69%), while Hbos = scored only=20 14% for its online support. Egg was also found to offer the = best=20 content and tools with a score of 54% - compared to an = abysmal 15%=20 for Capital One.

Commenting on the findings, Adam Goodvach, director, = Global=20 Reviews, says: "With so many customers going online, = providers=20 wanting to attract these customers need to make sure that = their Web=20 site offers the information customers are looking for. All = the=20 online applications we looked at could be significantly = improved.=20 There is a lot more that providers can be doing to make it = easier=20 for their customers online."


 

 
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Editorial: news@finextra.com   = Sales and=20 member queries: contact@finextra.com =   =A9 Finextra = Research=20 = 2008


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//////////////////////////////////////////////////////////////////////////// /////////////////////////////////////////////////////ywAAAAACwAZAAAITgABCBxI sKDBgwgTKlzIsKHDhwIDAJBIceLEABgzatzIUYDHjyBDihwZcoDJkyhTqkRJ4GTLAQRiypxJs2bM AgRw6syZs4DPn0CDCi0QEAA7 ------=_NextPart_000_0000_01C89E17.97F80770 Content-Type: text/css; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.finextra.com/assets/Finextra.css #content-lh-panel { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; BACKGROUND: #f7f7d6; = VERTICAL-ALIGN: top; WIDTH: 135px; PADDING-TOP: 4px; TEXT-ALIGN: right } .lnavhead { FONT-WEIGHT: bold; FONT-SIZE: 1em; PADDING-BOTTOM: 4px; TEXT-TRANSFORM: = uppercase; COLOR: #088ece; PADDING-TOP: 17px; BORDER-BOTTOM: #b5be00 1px = solid; LETTER-SPACING: 0.3em } #leftmenu { MARGIN-TOP: 17px; FONT-SIZE: 1.1em; FONT-FAMILY: Arial } #leftmenu UL { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; MARGIN: = 0px; PADDING-TOP: 0px } #leftmenu UL LI { PADDING-RIGHT: 5px; MARGIN-TOP: 0px; PADDING-LEFT: 5px; PADDING-BOTTOM: = 5px; COLOR: black; PADDING-TOP: 5px; BORDER-BOTTOM: #b5be00 1px solid; = LIST-STYLE-TYPE: none } #leftmenu UL A:link { COLOR: black; BORDER-BOTTOM: medium none; TEXT-DECORATION: none } #leftmenu UL A:visited { COLOR: black; BORDER-BOTTOM: medium none; TEXT-DECORATION: none } #strip-container { PADDING-LEFT: 150px; FONT-SIZE: 11px; PADDING-BOTTOM: 3px; COLOR: = #ffffff; FONT-FAMILY: verdana,sans-serif; HEIGHT: 22px; = BACKGROUND-COLOR: #63aed6 } #strip-left { FLOAT: left } #strip-left UL { MARGIN: 0px; PADDING-TOP: 3px } #strip-left UL LI { BORDER-RIGHT: 0px; PADDING-RIGHT: 1px; MARGIN-TOP: 15px; PADDING-LEFT: = 3px; BORDER-TOP: 0px; PADDING-BOTTOM: 1px; MARGIN-LEFT: 2px; = TEXT-TRANSFORM: uppercase; BORDER-LEFT: 0px; MARGIN-RIGHT: 5px; = PADDING-TOP: 1px; BORDER-BOTTOM: 0px; DISPLAY: inline } #strip-left A:link { COLOR: #ffffff; BORDER-BOTTOM: medium none; TEXT-DECORATION: none } #strip-left A:visited { COLOR: #ffffff; BORDER-BOTTOM: medium none; TEXT-DECORATION: none } #strip-left A:hover { COLOR: orange; BORDER-BOTTOM: medium none; TEXT-DECORATION: none } #strip-left A:active { COLOR: #669966; BORDER-BOTTOM: medium none; TEXT-DECORATION: none } #strip2-container { PADDING-LEFT: 155px; BACKGROUND-REPEAT: repeat-x; HEIGHT: 25px } .strip2-left { MARGIN-TOP: 4px; PADDING-LEFT: 20px; FONT-SIZE: 0.75em; COLOR: #bbbbbb; = BORDER-BOTTOM: medium none; FONT-FAMILY: Arial, Helvetica; = TEXT-DECORATION: none } .strip2-right { MARGIN-TOP: 4px; FONT-SIZE: 0.75em; COLOR: #ffffff; BORDER-BOTTOM: = medium none; FONT-FAMILY: Arial, Helvetica; TEXT-DECORATION: none } .obar { FONT-WEIGHT: bolder; FONT-SIZE: 1.4em; MARGIN-LEFT: 12px; COLOR: = #ff8600; MARGIN-RIGHT: 2px } .strip2-right A:link { COLOR: #ffffff; BORDER-BOTTOM: medium none; TEXT-DECORATION: none } .strip2-right A:visited { COLOR: #ffffff; BORDER-BOTTOM: medium none; TEXT-DECORATION: none } .strip2-right A:hover { COLOR: orange; BORDER-BOTTOM: medium none; TEXT-DECORATION: none } .strip2-right A:active { COLOR: #ffffff; BORDER-BOTTOM: medium none; TEXT-DECORATION: none } A { COLOR: #336699; TEXT-DECORATION: none } A:hover { COLOR: #ff9900; TEXT-DECORATION: underline } A.bluLnk:active { COLOR: #6699cc; TEXT-DECORATION: none } A.whtLnk { COLOR: #ffffff; TEXT-DECORATION: none } .hfwhtLnk { PADDING-LEFT: 3px; PADDING-BOTTOM: 2px; COLOR: #ffffff; = TEXT-DECORATION: none } .hfwhtLnk2 { PADDING-RIGHT: 77px; PADDING-LEFT: 3px; PADDING-BOTTOM: 2px; COLOR: = #ffffff; TEXT-DECORATION: none } A.bluLnk { COLOR: #336699; TEXT-DECORATION: none } A.blkLnk { COLOR: #000000; TEXT-DECORATION: none } A.bluLnk:visited { COLOR: #336699; TEXT-DECORATION: none } A.bluLnk:hover { COLOR: #ff9900; TEXT-DECORATION: underline } A.noLnk { COLOR: #aaaaaa; TEXT-DECORATION: none } A.bigblulnk { FONT-WEIGHT: bold; FONT-SIZE: 160%; COLOR: #336699; LINE-HEIGHT: 110%; = FONT-FAMILY: Arial, Verdana, sans-serif; TEXT-DECORATION: none } .rightpanelhead { PADDING-LEFT: 4px; FONT-WEIGHT: bold; COLOR: #003366; FONT-FAMILY: = Verdana, helvetica, Arial, sans-serif } .rightpanelitem { PADDING-RIGHT: 5px; PADDING-LEFT: 9px; FONT-FAMILY: Verdana, helvetica, = Arial, sans-serif } .rightpanelmore { PADDING-LEFT: 12px; FONT-FAMILY: Verdana, helvetica, Arial, sans-serif } IMG.orangeborder { BORDER-RIGHT: #ff9900 1px solid; BORDER-TOP: #ff9900 1px solid; = BORDER-LEFT: #ff9900 1px solid; BORDER-BOTTOM: #ff9900 1px solid } TD { FONT-SIZE: 71%; LINE-HEIGHT: 125%; FONT-FAMILY: Verdana, helvetica, = Arial, sans-serif; TEXT-DECORATION: none } .bodytext { FONT-SIZE: 100%; LINE-HEIGHT: 130% } TD.catlisting { PADDING-RIGHT: 10px; LINE-HEIGHT: 14px; LETTER-SPACING: normal } .listingdate { PADDING-LEFT: 150px; TEXT-INDENT: -60px; TEXT-DECORATION: none } .keylistingdate { PADDING-LEFT: 151px; TEXT-INDENT: -89px; TEXT-DECORATION: none } .homelistingdate { PADDING-LEFT: 151px; TEXT-INDENT: -60px; LINE-HEIGHT: 130%; = TEXT-DECORATION: none } .homekeylistingdate { PADDING-LEFT: 151px; TEXT-INDENT: -89px; LINE-HEIGHT: 120%; = TEXT-DECORATION: none } .rellistingdate { PADDING-LEFT: 150px; TEXT-DECORATION: none } .listingstand { MARGIN-LEFT: 150px; FONT-FAMILY: Verdana, helvetica, Arial, sans-serif; = LETTER-SPACING: normal; TEXT-DECORATION: none } .loginbox { LEFT: -10px; POSITION: relative } .homestand { FONT-SIZE: 100%; MARGIN-LEFT: 0px; TEXT-DECORATION: none } .pagenumber { MARGIN-LEFT: 150px; LINE-HEIGHT: 150%; TEXT-DECORATION: none } TD.listing { TEXT-DECORATION: none } TD.headline { PADDING-LEFT: 1px; COLOR: white; FONT-FAMILY: Verdana, Arial, = sans-serif } IMG.homef { MARGIN-BOTTOM: 0px; MARGIN-LEFT: 0px; MARGIN-RIGHT: 4px } IMG.banner { BORDER-RIGHT: #bbbbbb 1px solid; BORDER-TOP: #bbbbbb 1px solid; = BORDER-LEFT: #bbbbbb 1px solid; BORDER-BOTTOM: #bbbbbb 1px solid } H1.head1 { MARGIN-TOP: 4px; FONT-SIZE: 180%; COLOR: #000000; LINE-HEIGHT: 110%; = FONT-FAMILY: Arial, sans-serif } .headerstrap { FONT-WEIGHT: bold; FONT-SIZE: 150%; COLOR: #003366; TEXT-INDENT: -3px; = LINE-HEIGHT: 120%; FONT-FAMILY: Verdana,Arial,Verdana, sans-serif } .headertagline { FONT-SIZE: 100%; COLOR: #333333; FONT-FAMILY: Verdana,Arial, sans-serif } .channelheaderstrap { FONT-WEIGHT: bold; FONT-SIZE: 160%; COLOR: #003366; TEXT-INDENT: -3px; = LINE-HEIGHT: 120%; FONT-FAMILY: Verdana, sans-serif } .channelheadertagline { FONT-SIZE: 100%; COLOR: #ffffff; FONT-FAMILY: Verdana,Arial, sans-serif } .strip { FONT-WEIGHT: bold; FONT-SIZE: 140%; COLOR: #777777; LINE-HEIGHT: 120%; = FONT-FAMILY: Arial, verdana,sans-serif } .homehead { FONT-WEIGHT: bold; FONT-SIZE: 190%; LINE-HEIGHT: 110%; FONT-FAMILY: = Arial, sans-serif } .jobtitle { FONT-WEIGHT: bold; FONT-SIZE: 180%; LINE-HEIGHT: 120%; FONT-FAMILY: = Arial, sans-serif; FONT-COLOR: #cccccc } .listingheader { FONT-WEIGHT: bold; FONT-SIZE: 130%; FONT-FAMILY: Arial, sans-serif; = FONT-COLOR: #000000 } INPUT.border1 { BORDER-RIGHT: #336699 1px solid; BORDER-TOP: #336699 1px solid; = BORDER-LEFT: #336699 1px solid; BORDER-BOTTOM: #336699 1px solid } INPUT.hborder1 { BORDER-RIGHT: #336699 1px solid; MARGIN-TOP: 1px; BORDER-TOP: #336699 = 1px solid; MARGIN-BOTTOM: 2px; BORDER-LEFT: #336699 1px solid; = BORDER-BOTTOM: #336699 1px solid } IMG.hborder1 { MARGIN-TOP: 2px; MARGIN-BOTTOM: -3px } TABLE.orangeborder { BORDER-RIGHT: orange 1px solid; BORDER-TOP: orange 1px solid; = BORDER-LEFT: orange 1px solid; BORDER-BOTTOM: orange 1px solid } TABLE.lhboxborder { BORDER-RIGHT: #eeeeee 1px solid; BORDER-TOP: medium none; BORDER-LEFT: = medium none; BORDER-BOTTOM: medium none } TABLE.panelborder { BORDER-RIGHT: #eeeeee 1px solid; BORDER-TOP: #eeeeee 1px solid; = BORDER-LEFT: #eeeeee 1px solid; BORDER-BOTTOM: #eeeeee 1px solid } TABLE.redborder { BORDER-RIGHT: #cc0033 1px solid; BORDER-TOP: #cc0033 1px solid; = BORDER-LEFT: #cc0033 1px solid; BORDER-BOTTOM: #cc0033 1px solid } TH.dataheader { FONT-WEIGHT: bold; FONT-SIZE: 9px; FONT-FAMILY: Arial, sans-serif; = FONT-COLOR: #336699 } TD.panel { BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: medium = none; BORDER-BOTTOM: #bbbbbb 1px solid } TD.greyline { BORDER-BOTTOM: #bbbbbb 1px solid } TD.blueline { BORDER-BOTTOM: #003366 1px solid } TD.topgreyline { BORDER-TOP: #bbbbbb 1px solid } TD.topwhiteline { BORDER-TOP: 1px solid } TD.orangeline { BORDER-BOTTOM: #ff9900 1px solid } DIV.hr { FONT-SIZE: 1px; BACKGROUND: #bbbbbb; MARGIN-LEFT: 0%; WIDTH: 100%; = LINE-HEIGHT: 1px; HEIGHT: 1px; TEXT-ALIGN: right } DIV.hr2 { FONT-SIZE: 1px; BACKGROUND: #ffcc99; MARGIN: 3px 0px 6px 10px; WIDTH: = 100%; LINE-HEIGHT: 1px; HEIGHT: 1px } DIV.hr3 { FONT-SIZE: 1px; BACKGROUND: #cccccc; MARGIN: 12px 0px 1px 150px; = LINE-HEIGHT: 1px; HEIGHT: 1px } .spacer { MARGIN-LEFT: 5px; COLOR: #ffffff } .orangespacer { FONT-SIZE: 110%; COLOR: #ff9900 } A.topnavlink { COLOR: #ffffff; PADDING-TOP: 5px } A.topnavlink:hover { COLOR: #ff9900; PADDING-TOP: 5px; TEXT-DECORATION: none } TD.topnavitem { FONT-SIZE: 0.77em; TEXT-TRANSFORM: uppercase; PADDING-TOP: 5px; = FONT-FAMILY: Arial,Helvetica,sans-serif; LETTER-SPACING: 0.05em } .topnavspacer { FONT-SIZE: 130%; COLOR: #ffffff } TD.uppernav { PADDING-BOTTOM: 5px; PADDING-TOP: 0px } TD.upperspacer { FONT-SIZE: 70%; PADDING-BOTTOM: 5px; PADDING-TOP: 0px } .mastersidehead { BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: = #ff9900 1px solid; BORDER-BOTTOM: medium none } .mastersidepanel { BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: = #ff9900 1px solid; BORDER-BOTTOM: #ff9900 1px solid } .masterpanel { BORDER-RIGHT: 1px; BORDER-TOP: 1px; BORDER-LEFT: 1px; BORDER-BOTTOM: = #cccccc 1px solid } IMG.fimg { BORDER-RIGHT: #ffffff 1px solid; Z-INDEX: 1; BORDER-TOP: #ffffff 1px = solid; LEFT: -30px; POSITION: relative; BORDER-LEFT: #ffffff 1px solid; = BORDER-BOTTOM: #ffffff 1px solid; TOP: 2px; visiblity: visible } .fimgtxt { LEFT: -30px; POSITION: relative; TOP: 5px } .newspic { PADDING-LEFT: 60px } ------=_NextPart_000_0000_01C89E17.97F80770--