learning objectives describe the major features of online service sector discuss trends taking place in financial services industry identify key banking and brokerage insurance real estate industries explain why travel can be considered most successful b2c segment today career may ideal web business current netbank expands future branchless first federally insured bank us to operate solely on internet one few banks profitably over several years march 2003 160 000 accounts 50 states 20 foreign countries offers diverse group complementary businesses growth will increasingly depend developing physical presence page 625 offline largest rapidly expanding part economies advanced industrial nations plus fire employs about 59 labor force for 4 1 trillion gdp relative size employers figure 11