l transaction that can be executed by either the customer or the creditor.The click-and-brick e-business model is certainly the business model that most companies are striving for in today's marketplace. In the banking industry, on-line banking and electronic bill payment systems along with the traditional brick-and-mortar bank buildings is the trend for which most banks have put in place or will put in place shortly. Most of the larger banks (First Union, Bank of America, etc.) are already there and are struggling to get the word out to their customers. They are offering fee free banking and free electronic bill pay for three months or longer to promote their product. Many of the smaller banks are lagging behind because of the high cost of putting these systems in place. There is certainly a very big cost savings to a bank if their customers use these tools. There is also a very big benefit to customers who like to use these services. Banking from home is a very simple transaction, it's getting the customer to actually try the service that's difficult. The future of banking is most certainly B2B and B2C. The million-dollar question is when will it be fully implemented?...
