Today's highly competitive marketplace is forcing the retail banking industry to optimize every possible revenue-generating opportunity. New electronic channels are replacing the more traditional ones. Web ATMs system represents one of the recent developments in financial service distribution. Through a real-life case study, this article explains how much more advantage can be achieved by enhancing Web ATMs with the latest Web-enablement technology, and examines the key benefits that can accrue from the deployment of integrated circuit (IC) card and smart card reader on Web ATMs. Last but not the least, it is expected that this article Could provide strategic thinking with some apocalypses of Web 2.0 to steer the banking system for achievable changes in a direction that is consistent with the needs and expectations of a population, especially in C2C business model. (C) 2009 Elsevier Ltd. All rights reserved.