Today I was reading the
Netbanker blog about Zions Bank gift planner. I find it very innovative, a new value-added service which helps the bank to make their customers loyal.
It helps to list your gifts, plan budget for them and track the spending per item.
I think this is the path what should be followed by banks: provide useful tools and services online for their customers beside transaction banking.
Personal finance management, spending analysis, budgeting tools and expense planners like Zions will keep the bank ahead of the competition.