This IDC Financial Insights' report discusses the fact that — as indicated by the results of IDC Financial Insights' 2012 U.S. Consumer Channel Preference Survey — online banking remains an important delivery channel, and this is unlikely to change in the near term. "What we are seeing with the online channel is not too different than what we saw happen to the ATM," says Marc DeCastro, research director of customer-centric bank strategies at IDC Financial Insights. "Financial institutions are investing where the technology is hottest — which is currently mobile. While the industry continues to sort out what to do next, the online channel will remain in a holding pattern, waiting for the next big thing." As the sales of traditional desktop and laptop computers continue to slide as individuals acquire tablets, mini tablets and ereaders, the usage of online banking will continue to level off, and possibly even decline. At IDC Financial Insights, we predict that online banking will become the alternative delivery channel in the digital world to mobile banking by the end of 2014. And just like the ATM is alive today some 45 years after being brought to market, so too will the online channel survive.