Some startlingly high statistics from Habib Bank AG Zurich on their online banking in UAE. The market there is interesting to watch, because they got a later start that North America and Europe, but they are generally going straight to what we might consider full multi channel solutions.
UAE MONEYworks – Online Banking
MW: Do you have any up to date figures on how many people in the UAE are using online banking? Or any form of online financial transaction? SP: What we can tell you is 65.22 per cent of HBZ credit customers and 55.06 per cent of the HBZ deposit customers are using our e-services.
The market there is interesting to watch, because they got a later
start that North America and Europe, but they are generally going
straight to what we might consider full multi channel solutions.
By using a combination of services in the push / pull format, events and alerts are delivered to cell phones via HBZgsm as they occur. Based on the information revceived, users can use HBZweb tofurther query accounts or initiate new transactions. Similar functionality can be achieved on the road via HBZpda or HBZwap.
Bankwatch 
It may be off topic, but the Office of the Comptroller of the Currency recently launched HelpWithMyBank.gov (http://www.helpwithmybank.gov) to assist customers of national banks. One of the reasons it created the Web site is teh recognition of a generation of Web savvy bank customers.