Celent reports at Finextra on the likely agenda for Bank IT investment in 2009.  No real surprises as Banks expected to think about rich internet [think Ajax] and social features.  However no surprise on the qualification that few such web 2.0 things will appear in 2009, so it might more of an experimential year.

North American bank IT spending to grow in 2009 – Celent | Finextra

Unsurprisingly risk management is expected to be the top trend this year, as banks look to get more use out of their systems in the wake of the crisis. Banks will stop viewing risk technology as just a regulatory necessity and embrace it as a way of saving money.

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Web banking will also get investment as firms begin to realise they must improve customer interaction and experience through rich Internet applications and social networking features.

Celent says “bits and pieces” of Web 2.0 elements will appear this year but thinks it will be at least a year before cutting edge interactive online banking emerges.

Mobile banking will continue to gain momentum, although it will mainly focus on information services such as SMS text alerts