Bankruptcy And Debts

Keynote to Launch Industry's First Credit Card Web Transaction Performance Index

Consolidation Debt Mortgage SAN MATEO, Calif.--(BUSINESS WIRE)--Aug. 16, 2004-- Keynote Systems (Nasdaq:KEYN), The Internet Performance Authority(R), expanded its index coverage of the financial services industry today with the announcement of the world's first e-business transaction index for the credit card industry. "The Keynote Credit Card Web Transaction Performance Index," will benchmark the transaction speed and reliability of leading credit card Web sites as experienced by real users around the country. As consumers increasingly head to the Web for viewing credit card charges and paying their credit card bills, the new index will be a useful e-business performance benchmark and assist consumers in selecting which credit card providers are best prepared to provide an optimal quality of online experience.
-- Consumers Will Find Index a Useful Tool in Selecting Credit Cards Optimized for Viewing Charges and Paying Bills Online

Halifax has announced the launch of a new credit card that boasts an attractive 0% offer on both balance transfer transactions and new purchases.

Consolidation Debt Help -- Importance of Index Underscored as 13% of U.S. Consumers Now Pay Credit Card Bills Online

Aside from Americans declaring bankruptcy at alarming rates (one in every 100 families are affected by a bankruptcy), Americans also carry $683 billion in revolving credit card debt. Remember, that’s not what’s charged every month, rather what Americans owe currently on their credit cards. These are outstanding, unpaid balances. Even more frightening, according to the Cambridge Consumer Credit Index, 47% of Americans pay only the minimum payment each month.

Consolidation Credit Debt -- Keynote Dominates in E-Business Transaction Benchmarking Indices for the Financial Services Industry; First Results of Credit Card Index Due in 30 Days

Credit card and even more so Store card interest are set at exorbitant rates for one reason alone, companies make their money from the consumer’s inability to settle their card balances. Credit card debt is unsecured, whereas other debt like your mortgage is secured (your home acts as security against your debt). With credit card debt, there is no backing security, which means that credit card debt is high risk for banks and hence the high interest rates

Bill Consolidation Debt -- New Credit Card Index Builds on Keynote's Existing Family of Financial Services Indices that Already Includes Online Broker and Banking Indices

- Offers debt consolidation for those in credit card debt

Consolidation Debt Quote -- Credit Card Sites Planned for Index Include: American Express, Capital One, Chase, Citibank, Diner's Club, Discover, First U.S.A, MBNA and Providian

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Consolidation Debt Lead Sites currently planned for inclusion in the new index include americanexpress.com, capitalone.com, chase.com, Citibank.com, dinersclubnorthamerica.com, discovercard.com, firstusa.com, mbna.com and Providian.com.

Consolidation Debt Non Profit Initial results of the new credit card index are planned for public release within 30 days.

Consolidation Debt Loan Online The new transaction index underscores Keynote's strong customer base among leaders in the financial services industry and its commitment to deliver indices that serve the needs of important financial services sectors. Keynote is the trailblazer in e-business transaction performance benchmarking and launched the world's first e-business transaction index for the online broker industry in June of 1999. The Keynote E-Banking Web Transaction Index launched in August 2003.

Consolidation Debt Home Loan The need for credit card Web benchmarking data for use by consumers and the credit card companies themselves is growing increasingly clear as a recent report by Cybersource found that 99% of Web sites offer general purpose card payments (payment made with Visa, American Express, Master Card or Discover cards) to their site visitors. And increasing numbers of Americans are taking advantage of offerings by credit card providers to receive, view and pay credit card charges online. An April 2004 Yankee Group report found that 13% of U.S. consumers pay their credit card bills online and 14% receive and view their statements online.

Christian Consolidation Debt "As more people use credit cards to pay for goods and services online, the risk of other people gaining access to credit card information not their own and making unauthorized purchases online has also increased," said Roopak Patel, senior Internet analyst in Keynote's public services division. "Rather than wait for their monthly credit card statements, more people are going to the Web sites run by their credit card providers to make sure there have been no unauthorized charges during the month. And of course consumers are increasingly paying their credit card bills online. It is imperative that credit card companies have a deep understanding for the performance aspects of their site, and of competitor sites, as experienced by end users, so they can continually optimize their site's performance and keep their customers happy. Our new index is designed to serve this growing need."

Consolidation Debt Information The Keynote Credit Card Web Transaction Performance Index is the first of its kind to systematically measure the speed and reliability of leading credit card Web sites for performing common multi-step tasks. To create this particular index, Keynote's measurement computers in 10 cities around the U.S. "click through" the same steps an actual person might perform: entering the particular URL of the credit card site they wish to visit, clicking on the login button, logging in using account information, selecting steps necessary for viewing "recent charges" and logging out of the site.

Agency Consolidation Debt The Keynote Credit Card Web Transaction Performance Index will be published weekly on Keynote's Web site at http://www.keynote.com/solutions/solutions_ps_index.html.

Consolidation Debt Solution Keynote has historically seen an improvement in overall performance results, over time, whenever it has launched a new vertical-based Web transaction performance index. The goal of the index is to help the credit card industry measure and manage the performance of its Web sites and optimize the experience of people receiving, viewing and paying credit card charges online.

California Consolidation Debt The Keynote Credit Card Web Transaction Performance Index is designed to reflect the speed and reliability of the most well known credit card sites with a large online presence. Going beyond home page performance, the credit card transaction index will provide deep insight into the performance of these high traffic credit card Web sites.

Consolidation Debt Loan Uk About Keynote's Credit Card Web Transaction Performance Index

Consolidation Debt Equity Home Keynote pioneered the use of vertical indices and benchmarks for e-business performance over five years ago. The data used to produce the index for a given week will be taken from actual online transactions Keynote's automated measurement computers execute and measure from the ten largest U.S. metropolitan areas (Boston, Chicago, Dallas, Detroit, Houston, Los Angeles, New York, Philadelphia, San Francisco and Washington, D.C.) on an hourly basis Monday to Sunday from 8:00 a.m. to midnight (eastern time).

Consolidation Debt Government Keynote transaction measurement computers are placed on the most widely used, familiar and recognizable Internet backbone and service providers in these cities. Keynote's global network of measurement computers run standard Microsoft Internet Explorer browsers on Windows/2000 to obtain the most accurate and representative transaction performance data possible today.

Consolidation Debt Firm For the Keynote Credit Card Web Transaction Performance Index, each of the measurements begin by launching the browser, selecting the starting URL for the specific Web site, and then conducting the following:

Consolidation Debt Financing -- Clicking on the login button

Consolidation Consumer Credit -- Logging in using account information

Consolidation Debt Free Quote -- Selecting the steps necessary for viewing "recent charges"

Card Consolidation Counseling -- Logging out of the site

Consolidation Debt Lender Complete index data that includes the aggregated and limited time-frame results and every data point taken 24/7 along with page, network component, content and error detail, will be available for purchase from Keynote on a subscription basis.

Calculator Consolidation Debt Background on Keynote's Web Performance Indices

Best Consolidation Debt Loan Keynote's Web transaction indices leverage Keynote's long history and experience developing Internet performance indices. Keynote launched the world's first Web performance indices that assess page download performance (as opposed to transaction performance), known as The Keynote Business 40 Internet Performance Index (measurements over T1 and T3 connections) and The Keynote Consumer 40 Internet Performance Index (measurements over dial-up and broadband connections). Keynote also launched the world's first transaction performance index, The Keynote Web Broker Trading Index. All today are considered the 'gold standard' for Web performance benchmarking.

Consolidation Counseling In addition to The Keynote Credit Card Web Transaction Performance Index, Keynote's growing line of transaction indices include: The Keynote Web Broker Trading Index, The Keynote E-Banking Transaction Performance Index, The Keynote E-Commerce Transaction Performance Index, The Keynote Travel & Hospitality Web Transaction Performance Index (includes leading airline, hotel and online travel agency Web sites), The Keynote News Media Transaction Performance Index and The Keynote E-Government Transaction Performance Index.

Best Consolidation Debt Customers can use Keynote's growing line of industry-specific Web transaction indices to assess Web transaction performance against internal benchmarks and against competitors. Customers can then leverage Keynote's additional monitoring, performance management, load, content and usability testing services to improve the overall performance of their e-business applications and infrastructure.

Best Company Consolidation To build and maintain its growing line of Web performance indices, Keynote uses its unparalleled global infrastructure of over 1,600 strategically and statistically located measurement, testing and diagnostic computers representing Internet performance from 50 metropolitan areas worldwide.

Consolidation Debt Lending Detailed information regarding the methodology behind Keynote's Web performance indices can be found at: www.keynote.com/downloads/whitepapers/webtxn-methodology052704.pdf.

Business Consolidation Debt General information about Keynote's performance indices can be found at www.keynote.com/solutions/solutions_pm_performance_indices_tpl.html

Advice Consolidation Debt About Keynote

Consolidation Debt Interest Founded in 1995, Keynote Systems (Nasdaq "KEYN"), The Internet Performance Authority(R), is the worldwide leader in e-business performance management services that improve the quality of e-business. Keynote's services enable corporate enterprises to monitor, benchmark, test, diagnose and optimize their e-business systems both inside and outside the firewall. Over 2,100 corporate IT departments and 19,000 individual subscribers rely on the company's easy-to-use and cost-effective services to increase revenues and reduce downtime costs, without requiring additional complex and costly software implementations.

Consolidation Debt Refinance Keynote is The Internet Performance Authority due to the company's global infrastructure of over 1,600 measurement computers in more than 50 cities worldwide that capture and store on a daily basis over 40 million Internet performance measurements, frequent media citations quoting Keynote's Web performance data and analysis and the company's growing range of market-leading Web performance indices for vertical markets (http://www.keynote.com/solutions/solutions_pi_index.html).

Consolidation Debt Finance Keynote Systems, Inc. is headquartered in San Mateo, California and can be reached at www.keynote.com or by phone in the U.S. at 650-403-2400.

Consolidation Debt Plan Keynote, The Internet Performance Authority and Perspective are registered trademarks of Keynote Systems, Inc. Other trademarks are the property of their respective owners. (C) 2004 Keynote Systems, Inc.

Consolidation Debt Personal Contacts

Consolidation Debt Management
Keynote Systems
Dan Berkowitz, 650-403-3305
dberkowitz@keynote.com

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