Former CU Cahoot 2000 (GBP15) Bank Goldfish 1996 (GBP30) Insurer Egg 1998 (GBP34) Bank Intelligent Finance 2000 (GBP53) Bank Insuer ING Direct UK 2003 No red:t Union Citizens Bank of C. 1997 a No Source: Celent direct banking case studies The optimal portfolio: concentrate on signif

acterized by average profitability due to its high level of inefficiency and significantly lower risks. Piotrkowsky aims to replicate the success of ING Direct by offering full range of products and transparent retail banking products at very low cost: savings (deposits), loans (consumer credit, car loans,

iologists, neuroscientists, senior executives, CEOs, and authors, including: Sir Salman Rushdie -- novelist and essayist Arkadi Kuhlmann -- CEO of ING Direct Jared Diamond -- author of Guns, Germs, and Steel and many other books E.O. Wilson -- the world's leading biologist Douglas Merrill -- ex CIO of G