With the financial crisis still in full swing, it's not easy to concentrate on the 2009 plan. But focus you must.

You can bet that companies emerging from this mess as winners are working overtime right now, plotting how they will grab your market share next year. Yes, budgets will be down, but thanks to the Web and social media, there are more cost-effective opportunities than ever to get your message out.

With that in mind, we offer the latest issue from Online Banking Report, our 14th annual Planning Guide for Online & Mobile Banking (see note 1).  

It includes 72 pages of ideas, tips and tools to help you generate new ideas, plans, and strategies for 2009 and beyond. Subscribers, Online Banking Report subscribers, may download it (here) free of charge. Others may purchase (here).

While more than 500 online banking product and marketing ideas are published in the report, we hand-selected 20 projects for the 2009 hot list (in alpha order):

• Activity ticker
• Balance conversions
• Credit score/report zone
• Flat-fee mortgage
• Green banking
• High-yield deposit accounts
• Home equity center
• iPhone/Android native app
• Long-term archives
• Micro/small-business services
• Peer-to-peer loan facilitation
• Personal finance functionality 
• Premium/VIP online services
• Prepaid/gift cards
• Problem mortgage resource center
• Retirement center
• Service standards/guarantees
• Social media/blogging
• Usage-based contests/rewards
• Widgets

Note:
1. The Netbanker blog (established 2004) and Online Banking Report (established 1994), are written and published by the same company.