A research report by Celent concludes that the pace of household online banking adoption will lessen. While best of breed banks have attracted upwards of 50% of households, the remaining 40% of banked households won’t necessarily be as easy. Celent also says most of the banking industry has moved from product-centric to relationship-centric pricing, and that personal financial management capabilities have continued to play a more primary role within online banking. To work well, these services must be tightly integrated within both bill payment and online banking applications and core processors. Additionally, Celent says that expedited payments involving good funds models will surface more frequently and provide speed of payment at a competitive price and that new Web 2.0 technologies will begin to have a significant impact on future online banking applications.