The goal of providing high quality, routine, banking transactions in a more cost-effective manner is chief amongst the reasons many financial institutions invest in Internet banking. In addition, many want to pursue the proposition of retaining more customers and cross-selling more products and services. In order to achieve these goals, it is our belief, that along with the power of the Compass Internet Banking Platformª, financial institutions must be provided with appropriate tools that improve the chances of increasing the online customer adoption rates.