This study contributes mainly by making an empirical test of a resource-based view on Web-technology. There are, however, limitations connected to both the theoretical framework and the methods. The theoretical approach provides an inside-out perspective in which the customer only indirectly plays a role. In general, the resource-based view suffers from problems of operationalization and the reliability of some of our measures could be improved. The results may also be restricted by a sample that are dominated by small and medium-sized Scandinavian banks.