"The current usage levels in both countries show that adoption is now taking place within the mainstream of consumers," said David Schehr, research director at Gartner.
Despite being mainstream, however, the results show that younger and high-income earners are more likely to use online banking services.
Surprisingly, the study found that instead of a declining use of other banking services, online bankers use other channels, such as ATMs and telephone banking, more.
"Banks and other financial services providers must now rethink the role of online banking within this context, and leverage this channel to serve their clients and strengthen relationships," noted Schehr.
