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Suggestions: -

 To prevent online banking from remaining an expensive additional channel that does little to retain footloose customers, banks must act quickly.

 The first and most obvious step they should take is to see to it that the basic problem fueling dissatisfaction has been addressed.

 After repairing this basic deficiency, banks must ensure that their services are competitive.

 Obviously, it should include checking, savings and brokerage services, which anchor customers to the institution.

 In addition, to meet the challenge of online brokerage and other new entrants, banks would need to add “supermarkets” selling products such as mortgage, mutual funds and insurance.