Believe it or not, there are just 23 business days left before Q4 2009. That means planning season is just around the corner. To help ease the pain, we offer you the ultimate idea-generation tool; our 15th annual Planning Guide for Online & Mobile Banking.  

The 80-page report is packed with more than 500 product and marketing tactics designed to help you generate new ideas, plans, and strategies for 2010 and beyond.

Online Banking Report subscribers, may download it (here) free of charge. Others may purchase it (here).

Note: Yes, that's USAA's awesome native iPhone app on the cover. Mobile banking, specifically via the iPhone and text messaging, are top opportunities for next year.  See below.

  Twenty projects from the report were selected for our 2010 hot list (in alpha order):

• Activity dashboard/ticker
• Archives, long term  
• Automatic alert enrollment
• Blog/Twitter and other social media
• Credit score/report zone
• Friends-and-family loan facilitation
• High-yield online savings/checking
• Home equity center
• Micro/small-business services
• Native mobile app (iPhone/Blackberry/Android)
• Personal finance functionality 
• Premium/VIP online services
• Prepaid/gift cards
• Problem mortgage resource center
• Retirement planning center
• Service standards/guarantees for online/mobile interactions
• Student banking/financial education center
• Text (SMS) banking
• Ultra transparent (flat fee) mortgages
• Usage-based contests/rewards