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Online banking and bill payment adoption and usage continue to have considerable room for growth around the world. A recent survey of 22 of the top 100 USA retail banks and credit unions in the United States sheds some light on the context around "Optimization", the new buzzword in online banking. Even at the largest USA institutions, through channel optimization and relevant marketing, there are opportunities to considerably grow adoption and usage of both online banking and bill pay, both of which are proven drivers of customer retention and profitability.
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