This guide has been created as a quick reference for bank personnel who are responsible for combating phishing. We tackle head-on the thorny problems that encompass the issue and suggest a holistic approach to combat phishing.

We cannot stop phishing completely, but we believe that we can raise the bar sufficiently to make phishing no longer economically worthwhile for phishers.

Download the Spanish version of this white paper.

The use of email to communicate marketing and operational messages is on the increase. Your customer’s inbox is flooded with marketers hoping to catch their attention.

eMarketer reports that email volume in the United States is projected to nearly double from 1.5 trillion in 2003, to 2.7 trillion in 2007. This massive growth means you have to work harder to get your message read.

There are a number of ways in which you can manipulate how many people engage with your emails, one of which is to send your communication on the day which promises the highest read rate or the best click rate.

When developing a bulk email management strategy, businesses are faced with two choices; to manage email in-house, via their own dedicated bulk email server, or to outsource to an email solution provider. Businesses not only have to take into consideration the large expense involved in managing their own bulk email server, but also the host of supporting services required to ensure the success of bulk email as a communication method.

A look at why Striata recommends using a pre-existing solution such as ours over attempting to develop one in house. This document can act as a "checklist" for an initial scoping exercise in the Build vs Buy decision.

Traditional billing methods involving paper, printing and postage are expensive, time consuming and often frustrating. Paper based billing provides little in the way of tracking and reporting.

Introducing an electronic billing option can save your organization between 48% and 80% of the cost of traditional paper billing methods. Not to mention the increased control, reporting and improved customer service.

Everyone is aware that email has become a mainstream communication tool, and each year shows increasing adoption by both business and consumers using email for everyday interaction.

In a report on US consumer email activity published by DoubleClick (Dec 2005), the research shows that email is “no longer a novelty, and is fully integrated into the personal and professional lives of most consumers.”

But how do you avoid sending (and paying for) messages that will not get delivered?

Download the Spanish version of this white paper

eBilling is the replacement of traditional paper bills & statements with electronic equivalents, delivered via an online self service portal or email. This method of document delivery is rapidly revolutionizing the way billers interact with their customers. The move to paperless processes is being driven by cost savings, efficiency, faster payments and interactive marketing opportunities.

Building a business case for eBilling is a simple process. With global competitive pressures, organizations can ill afford not to invest in a new process that has these very tangible benefits.

While customer adoption rates for self-service portals have disappointed, email delivery of secure bills and statements has been extremely successful at driving qualified customer traffic to biller websites.

For billers tasked with online bill pay targets, the vision was never a mere reduction in billing costs, but rather the ability of a billing platform in an online environment to drive customers to their web based services, while reducing paper output and associated billing expenses.

Unfortunately this web based bill presentment and payment strategy has not resulted in the anticipated reduced 'cost to serve' through electronic payment and paper suppression, nor has it fulfilled strategic web portal targets.

The internet and email have made an incredible impact on our lives, completely changing the way we communicate. And yet consumers are not turning off paper. Billers and Financial institutions are not succeeding in motivating any significant number of their customers to turn off paper bills and statements.

After several years of trying, organizations with the best results have achieved 15 - 20%, while others have achieved results below 5% (percentage of total customers who have gone paperless).

Electronic communication is now the accepted norm. There is a constant drive to reduce paper output and "dematerialize" documents into electronic forms that can be emailed or saved in a web portal. For most companies, the most cost effective electronic communication channel is email.

However, the challenges in communicating electronically with a large client base arise with the collection, maintenance and upkeep of customers' email address data. The first challenge arises when companies realise that they don't have an up to-date record of all their customers' personal details. Furthermore, these details change over time, particularly email addresses, resulting in emails that bounce.

The purpose behind an email collection campaign is to obtain a customer's valid and usable email address, along with permission to use it. A successful email collection campaign can be carrid out for any company that has a client database and wants to distribute some form of electronic communication.