For many banks in Asia-Pacific, the strategy that will make retail eBanking services create real returns remains elusive. With non-performing loans continuing be the primary concern so many Asian financial services institutions, the need for value creation and ROI is greater than ever. This brief analyses the development of eBanking in seven key Asia-Pacific markets, investigates the case for eBanking value creation in each market and provides consumer and IT expenditure forecasts, broken down by country.