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Delivery of financial services over the Internet is, at least in theory, a potential killer application. Customers benefit from convenience, access to valuable information such as stock prices, and a wealth of value-added services. Banks benefit from a cost per transaction that is a fraction of the cost of more traditional delivery channels. Not surprisingly therefore, many banks have launched Internet banking services (such as Nationwide, Royal Bank of Scotland, and the Co-operative Bank in the UK), and, according to a survey by Booz.Allen, most plan some sort of service in the near future.

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