Westpac is in the midst of an online banking upgrade and has migrated 2.7 million customers to its new platform, Westpac Live, which is intended to provide a seamless integration of online, mobile and tablet services.Customers using the new system are able to view up to three years of transaction history, schedule future payments up to 24 months ahead (instead of 90 days) and email payment receipts to any email address.Customers can report lost or stolen cards online, issue an overseas travel notification and change their credit card limit.Customers using mobile banking are able to make international payments and foreign currency transfers. They are able to see upcoming, past and recurring payments at a glance. They are able to view more account details, including interest rates and tax information.The upgrade was outlined by David Lindberg, the chief product officer in Westpac's Australian Financial Services division, at a briefing in March. The new platform has been modelled on the bank's iPad app, which uses the "jam jar" design concept - the customer's landing page no longer looks like a ledger book. Customers have more options to customise the page.Ultimately, balances will be updated in real time. Customers will get more alerts about issues like overdraws and an aggregation facility that will allow them to view accounts with other institutions on their Westpac page.Because Westpac has an old core banking system its ability to keep up with IT-driven banking innovation has often been called into question. Speaking at the same briefing, the chief executive of the Australian Financial Services division, Brian Hartzer, said: "A lot of our innovation is designed to solve customer problems in our distribution systems. Our core is not challenge for us there. "We would like a brand new core but that was not the priority. Online is the big growth area and that is were we put the money."