Commonwealth Bank's new generation of internet banking services appears to suffer the same limitation of the eight year old version that it replaces: "NetBank" remains a service for retail and micro business customers only, and unappealing to most businesses.The pricing structure introduced by Commonwealth Bank appears to support this interpretation. The bank introduced a range of "third party" fees that it might as well have branded business banking fees. They include 50 cents per payment to other accounts (other than those CBA accounts linked through NetBank), with the first three transactions exempt each month; and another 50 cent fee for scheduled payments, including bill payment (though once again the bank will waive this fee on the first three scheduled payments each month).This second fee seems pretty odd, especially in light of the pricing of direct debit transactions by CBA, which cost nothing.So if a customer goes through one of their suppliers (a real estate agent, gym or charity, say) to organise a periodic payment, and that supplier shuffles paperwork into the bank's systems, the resulting periodic payment will cost the customer nothing by way of internet banking fees. If the customer sets up the same payments by undertaking work that would otherwise have to be undertaken by bank staff, the transaction costs 50 cents.Customers are still subject to basic transaction fees on their account, irrespective of whether initiated through internet banking or some other means. These fees vary, but are about 20 each for personal customers beyond a certain threshold.Both transactions would be subject to processing through the direct entry system, the decades old batch processing technology that's the guts of the payments system in Australia, now matter how superficially fancy the interface for receiving customer instructions becomes.Some of the changes in CBA's internet banking system are mostly catch up with competitors, or reforms that underscore how dated and inflexible some of the bank's system were until now. One innovation, for example, allows customers to manage updates to some basic personal details such as their address a resource intensive task for the bank and customer before now.Commonwealth Bank's website advises customers to "consider moving to QuickLine" if they are "a heavy user of third party payments." QuickLine is the bank's "desktop" electronic banking system, but one still not really geared for the internet.Research by East & Partners (reported here three weeks ago) found that only three per cent of 800 middle market companies surveyed nominated Commonwealth Bank as their principal supplier of internet banking services. Westpac leads this category (nominated by 33 per cent), followed by ANZ (20 per cent), Citigroup (15 per cent) and St George Bank (10 per cent).This might not matter much. Research by East has consistently found that Commonwealth Bank is the leading supplier in the middle market segment, with a market share of 25 per cent followed by Westpac with 19 per cent. Finally CBA's media materials used on Friday provide a few metrics about the costs and benefits of internet banking. The bank said