Report: Banks to be less profitable

[Brad]

Accountancy: Rising Regulation to Cut Bank Profitability
http://www.accountancymagazine.com/croner/jsp/Editorial.do?channelId=-305535&contentId=1732340

To me this means the banks are not going to lend money any time soon. I expect very slow economic recovery for bricks n mortar.  Will that actually help online sales?

Added: Staying away from politics please.