【正文】 e bank where you feel at home39。t fit our image and brand. Yet the simple exterior houses a sophisticated site. The bank offers inter banking, bill payment, and mobile banking from Funds Xpress First Data. Goodlock advertised Farmers State Bank39。s withitness. Transactions needed to be kept intuitive. Designed in 2020 by Austin based First ROI, the Legence site now succeeds on those terms, notes Vicki Commiskey, senior marketing and munications counsel. If there39。s an opportunity to provide a useful service, we want to make it happen, she said. Wayne Garret, vicepresident of IT chimed in: We39。s mobile banking with banners at branch locations and with a direct mailing. We are just starting to get highspeed inter access and we need more towers to make mobile service more widely adopted here, she says. Still, the bank wanted to move slightly ahead of the technology curve in Goodlock39。, Goodlock says. Naturally, if tomorrow39。s own thing, literally and figuratively, certainly in the mind of the customer. At the same time, the inter has flowered. In five short years, inter banking has been affected by Web , the rise of rich inter applications (RIA), and other advances that make the web experience closer to what people expect from their puter desktop software. Rapid change in small steps As a result, static, crowded sites are giving way to something more flexible and informing. Yet, the hunt to add value never ceases nor should it, say experts. Critics of these channels continue the call for a nonstop advancement in design and capabilities including doing more with actionable alerts as they urge banks to do more with technology and plain that change isn39。ve trained your customers to step through a certain process, and then you change it, that can be the equivalent of when your local grocery store alters the layout and makes it harder to find your favorites, says Dan Fisher, a former banker and currently president and CEO of The Copper River Group, a financial servicestargeted consulting organization based in Fargo, . Fisher may not be big on change for its own sake, yet he urges bankers to drop bankcentric views and get on with new technologies, however unfortable they might feel. Bankers need to push beyond their own experience and think about what mobile can do for them. In a recent blog entry on , Fisher wrote: Cell phones have morphed from emergency munication only to constant munication. Furthermore, the cell phone has bee more important than the puter when it es to getting things done and they39。s important to standardize naming and navigation conventions, says Mark Schwanhausser. This should happen within the authenticated site. It should also happen from channel to channel. If you39。 renewed interest in keeping mobile relevant is that banks will finally give up batch systems once and for all. There is this tendency to serve up stale information and banking customers increasingly will be impatient with this, Schwanhausser explains. Retail banks are facing a revenue drought, with slack loan demand, a flat rate environment and dwindling fee revenues in the face of new laws and regulations. Often, the best hope for growth is to serve established customers more fully essentially a personbyperson campaign to gain share of wallet. For winners in this quest, the opportunities are enormous. Today39。 這已經(jīng)有足夠的信息去沉掉陳舊的頁面 , 但與 Flash 和類似的技術(shù) ,所有的消息絡(luò)繹不絕 ,呆太久了在能見的視野范圍內(nèi)常讓人熱血沸騰。在 2020 年設(shè)計的第一投資回報率的網(wǎng)站，現(xiàn)在這些條款中運(yùn)用的很成功，資深營銷和通訊律師等。 農(nóng)民國家銀行 ,一個擁有 6200 萬美元資產(chǎn)的社區(qū)銀行的金