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While the dot-com party may be over, U.S. retail bankers are just beginning to celebrate their online banking accomplishments. With national adoption rates reaching 20% in North America, online banking is becoming a mainstream phenomenon. Twenty percent, however, is just the tip of the iceberg
Unless they are counting ATM's as online?
32percent of US Internet Users is what this study says:
The popularity of banking online continues to grow in the U.S. with about 37 million Americans, or 32 percent of U.S. Internet users, now conducting banking transactions over the Internet, according to survey results released last week by the Pew Internet & American Life Project.
(I wonder who paid for that survey? Don't suppose it was the online banking industry?)