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Expat Investor : November 2007
ONLINE BANKING November 2007 EXPAT INVESTOR 7 Fast Facts 99005 Focus, our award-winning, innovative and cost-effective platform, is a fully integrated banking and investment service. Designed to make your life easier, Focus can save you time and money. To find out more about our first class wealth management services, call us on+44 (0) 1624 645000 or visit www.fairbairnpb.com Focus Have Focus. Achieve More. (EXINV) First class service from the Best International Investment Platform Provider 2007 Winner Best International Private Bank Best International Investment Platform Provider 2006 Winner Best Offshore Bank Best Commitment to Service 2005 Winner Best Offshore Bank Best Offshore Bank Product (FOCUS) Best Internet Service 2004 Winner Best Offshore Bank 2003 Winner Best Offshore Bank Best Offshore Bank Product (FOCUS) 2002 Winner Best Offshore Bank Best Offshore Bank Product (FOCUS) 2001 Winner Best Offshore Banking Product Range distinctly different Fairbairn Private Bank is a registered trade name of Fairbairn Private Bank (IOM) Limited and Fairbairn Private Bank Limited. Fairbairn Private Bank (IOM) Limited is licensed by the Isle of Man Financial Supervision Commission for Banking and Investment Business and its principal place of business is in the Isle of Man. Fairbairn Private Bank Limited is regulated by the Jersey Financial Services Commission to carry on deposit-taking and investment business under the Banking Business (Jersey) Law 1991 and Financial Services (Jersey) Law 1998 respectively. Registered office: Fairbairn House 31 The Esplanade St Helier Jersey. Latest audited accounts are available on request. Continued on page 8 SIMON RIPTON, Sales & Marketing Manager, Alliance & Leicester International With 1.1 billion of the world's population now possessing access to the internet, online capabilities have become integral to businesses worldwide. Since its demutualisation from a building society in 1997, Alliance & Leicester has developed an online strategy to utilise internet potential. This strategy delivers both benefits for the bank in the form of lower costs, and benefits for customers in the form of improved access to products offering better rates of return. For expatriates, the growing reach of the internet has enabled them to carry out personal, professional and financial transactions online. In March 2007 there were 298 million broadband users worldwide, led by the US and China, who accumulated eight million new broadband users between them last year. However, the expansion of the internet has created a divided digital world, for the developing nations cannot compete with their wealthier counterparts in terms of broadband penetration; Morocco has only 418,000 broadband users, South Africa 215,000 and Sudan 3,000. Yet, although developing countries may not have the same internet access, the mobile phone is emerging as a vital instrument in bridging the banking gap with the developed world. With three billion of the world's population owning mobile phones compared to one billion possessing bank accounts, the Bill and Melinda Gates Foundation launched a partnership with the Consultative Group to Assist the Poor in February to determine how best to use mobile phone technologies to deliver banking services to the developing world. Alliance & Leicester International is also developing its online banking technology, with its revolutionary new internet savings account. The eSaver Offshore, launched in May, is the first offshore savings account to offer an online application process without the need for a 'wet' signature, thus cutting weeks off the typical application process. Designed to enable customers to buy and manage their account online, eSaver Offshore allows applicants to access their finances from anywhere in the world. Not only does the eSaver Offshore reduce the amount of time it takes