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What company are you going to study? We plan to study ING Direct (www.ingdirect.com) - a pioneer in the direct retail banking business. ING Direct is an international direct banking business. Atypical of traditional banking operations, ING DIRECT is a direct-to-customer operation, providing options of financial services solely over the internet, phone and mail. The company does not operate branches or ATMs - it just has a couple of cafés in big cities where the bank sells coffee and mountain bikes in addition to a limited number of product offerings, such as savings accounts, a few certificates of deposit, home mortgages, home equity lines, and a handful of mutual funds. The bank does not offer traditional paper-based checking accounts. For these accounts, ING DIRECT points customers back to their local bank. Currently ING DIRECT has more than 4.5 million customers in the US and also reaches out to more than 15 million...

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