15493. Wells fargo.com Versus Netbank. "Clicks & Bricks" versus "Clicks and Clicks" in Internet Banking. This term paper provides an overview and comparative analysis of a pure-Internet and a "clicks and mortar" Internet bank, specifically examining the biggest Internet-only (NetBank) and the biggest real-world based Internet banking competitor (Wells Fargo.com). Following a profile and analysis of the Internet banking operating environment, the paper compares Wells Fargo & NetBank using a SWOT analysis. KEYWORDS: banking industry internet banks online banking swot marketing strategy competitive analysis term paper. APA Style. 11 pages, 32 footnotes, 20 bibliographic references.