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<span>Concept</span> </div> </a> <ul id="toc-Concept-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Mobile_banking_services" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Mobile_banking_services"> <div class="vector-toc-text"> <span class="vector-toc-numb">3</span> <span>Mobile banking services</span> </div> </a> <button aria-controls="toc-Mobile_banking_services-sublist" class="cdx-button cdx-button--weight-quiet cdx-button--icon-only vector-toc-toggle"> <span class="vector-icon mw-ui-icon-wikimedia-expand"></span> <span>Toggle Mobile banking services subsection</span> </button> <ul id="toc-Mobile_banking_services-sublist" class="vector-toc-list"> <li id="toc-Account_information" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Account_information"> <div class="vector-toc-text"> <span class="vector-toc-numb">3.1</span> <span>Account information</span> </div> </a> <ul id="toc-Account_information-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Transaction" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Transaction"> <div class="vector-toc-text"> <span class="vector-toc-numb">3.2</span> <span>Transaction</span> </div> </a> <ul id="toc-Transaction-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Investments" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Investments"> <div class="vector-toc-text"> <span class="vector-toc-numb">3.3</span> <span>Investments</span> </div> </a> <ul id="toc-Investments-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Support" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Support"> <div class="vector-toc-text"> <span class="vector-toc-numb">3.4</span> <span>Support</span> </div> </a> <ul id="toc-Support-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Content_services" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Content_services"> <div class="vector-toc-text"> <span class="vector-toc-numb">3.5</span> <span>Content services</span> </div> </a> <ul id="toc-Content_services-sublist" class="vector-toc-list"> </ul> </li> </ul> </li> <li id="toc-Challenges" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Challenges"> <div class="vector-toc-text"> <span class="vector-toc-numb">4</span> <span>Challenges</span> </div> </a> <button aria-controls="toc-Challenges-sublist" class="cdx-button cdx-button--weight-quiet cdx-button--icon-only vector-toc-toggle"> <span class="vector-icon mw-ui-icon-wikimedia-expand"></span> <span>Toggle Challenges subsection</span> </button> <ul id="toc-Challenges-sublist" class="vector-toc-list"> <li id="toc-Handset_accessibility" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Handset_accessibility"> <div class="vector-toc-text"> <span class="vector-toc-numb">4.1</span> <span>Handset accessibility</span> </div> </a> <ul id="toc-Handset_accessibility-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Security" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Security"> <div class="vector-toc-text"> <span class="vector-toc-numb">4.2</span> <span>Security</span> </div> </a> <ul id="toc-Security-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Scalability_and_reliability" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Scalability_and_reliability"> <div class="vector-toc-text"> <span class="vector-toc-numb">4.3</span> <span>Scalability and reliability</span> </div> </a> <ul id="toc-Scalability_and_reliability-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Application_distribution" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Application_distribution"> <div class="vector-toc-text"> <span class="vector-toc-numb">4.4</span> <span>Application distribution</span> </div> </a> <ul id="toc-Application_distribution-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Personalization" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Personalization"> <div class="vector-toc-text"> <span class="vector-toc-numb">4.5</span> <span>Personalization</span> </div> </a> <ul id="toc-Personalization-sublist" class="vector-toc-list"> </ul> </li> </ul> </li> <li id="toc-Mobile_banking_in_the_world" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Mobile_banking_in_the_world"> <div class="vector-toc-text"> <span class="vector-toc-numb">5</span> <span>Mobile banking in the world</span> </div> </a> <ul id="toc-Mobile_banking_in_the_world-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-See_also" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#See_also"> <div class="vector-toc-text"> <span class="vector-toc-numb">6</span> <span>See also</span> </div> </a> <ul id="toc-See_also-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-External_links" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#External_links"> <div class="vector-toc-text"> <span class="vector-toc-numb">7</span> <span>External links</span> </div> </a> <ul id="toc-External_links-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Notes" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Notes"> <div class="vector-toc-text"> <span class="vector-toc-numb">8</span> <span>Notes</span> </div> </a> <ul id="toc-Notes-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-References" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#References"> <div class="vector-toc-text"> <span class="vector-toc-numb">9</span> <span>References</span> </div> </a> <ul id="toc-References-sublist" class="vector-toc-list"> </ul> </li> </ul> </div> </div> </nav> </div> </div> <div class="mw-content-container"> <main id="content" class="mw-body"> <header class="mw-body-header vector-page-titlebar"> <nav aria-label="Contents" class="vector-toc-landmark"> <div id="vector-page-titlebar-toc" class="vector-dropdown vector-page-titlebar-toc vector-button-flush-left" > <input type="checkbox" id="vector-page-titlebar-toc-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-titlebar-toc" class="vector-dropdown-checkbox " aria-label="Toggle the table of contents" > <label id="vector-page-titlebar-toc-label" for="vector-page-titlebar-toc-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-listBullet mw-ui-icon-wikimedia-listBullet"></span> <span class="vector-dropdown-label-text">Toggle the table of contents</span> </label> <div class="vector-dropdown-content"> <div id="vector-page-titlebar-toc-unpinned-container" class="vector-unpinned-container"> </div> </div> </div> </nav> <h1 id="firstHeading" class="firstHeading mw-first-heading"><span class="mw-page-title-main">Mobile banking</span></h1> <div id="p-lang-btn" class="vector-dropdown mw-portlet mw-portlet-lang" > <input type="checkbox" id="p-lang-btn-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-p-lang-btn" class="vector-dropdown-checkbox mw-interlanguage-selector" aria-label="Go to an article in another language. Available in 22 languages" > <label id="p-lang-btn-label" for="p-lang-btn-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--action-progressive mw-portlet-lang-heading-22" aria-hidden="true" ><span class="vector-icon mw-ui-icon-language-progressive mw-ui-icon-wikimedia-language-progressive"></span> <span class="vector-dropdown-label-text">22 languages</span> </label> <div class="vector-dropdown-content"> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li class="interlanguage-link interwiki-ar mw-list-item"><a href="https://ar.wikipedia.org/wiki/%D8%A7%D9%84%D8%B5%D9%8A%D8%B1%D9%81%D8%A9_%D8%A8%D8%A7%D8%B3%D8%AA%D8%B9%D9%85%D8%A7%D9%84_%D8%A7%D9%84%D9%87%D8%A7%D8%AA%D9%81_%D8%A7%D9%84%D9%85%D8%AD%D9%85%D9%88%D9%84" title="الصيرفة باستعمال الهاتف المحمول – Arabic" lang="ar" hreflang="ar" data-title="الصيرفة باستعمال الهاتف المحمول" data-language-autonym="العربية" data-language-local-name="Arabic" class="interlanguage-link-target"><span>العربية</span></a></li><li class="interlanguage-link interwiki-az mw-list-item"><a href="https://az.wikipedia.org/wiki/Mobil_bank%C3%A7%C4%B1l%C4%B1q" title="Mobil bankçılıq – Azerbaijani" lang="az" hreflang="az" data-title="Mobil bankçılıq" data-language-autonym="Azərbaycanca" data-language-local-name="Azerbaijani" class="interlanguage-link-target"><span>Azərbaycanca</span></a></li><li class="interlanguage-link interwiki-bn mw-list-item"><a href="https://bn.wikipedia.org/wiki/%E0%A6%AE%E0%A7%8B%E0%A6%AC%E0%A6%BE%E0%A6%87%E0%A6%B2_%E0%A6%AC%E0%A7%8D%E0%A6%AF%E0%A6%BE%E0%A6%82%E0%A6%95%E0%A6%BF%E0%A6%82" title="মোবাইল ব্যাংকিং – Bangla" lang="bn" hreflang="bn" data-title="মোবাইল ব্যাংকিং" data-language-autonym="বাংলা" data-language-local-name="Bangla" class="interlanguage-link-target"><span>বাংলা</span></a></li><li class="interlanguage-link interwiki-cs mw-list-item"><a href="https://cs.wikipedia.org/wiki/Mobiln%C3%AD_bankovnictv%C3%AD" title="Mobilní bankovnictví – Czech" lang="cs" hreflang="cs" data-title="Mobilní bankovnictví" data-language-autonym="Čeština" data-language-local-name="Czech" class="interlanguage-link-target"><span>Čeština</span></a></li><li class="interlanguage-link interwiki-de mw-list-item"><a href="https://de.wikipedia.org/wiki/Mobile-Banking" title="Mobile-Banking – German" lang="de" hreflang="de" data-title="Mobile-Banking" data-language-autonym="Deutsch" data-language-local-name="German" class="interlanguage-link-target"><span>Deutsch</span></a></li><li class="interlanguage-link interwiki-et mw-list-item"><a href="https://et.wikipedia.org/wiki/Mobiilipank" title="Mobiilipank – Estonian" lang="et" hreflang="et" data-title="Mobiilipank" data-language-autonym="Eesti" data-language-local-name="Estonian" class="interlanguage-link-target"><span>Eesti</span></a></li><li class="interlanguage-link interwiki-es mw-list-item"><a href="https://es.wikipedia.org/wiki/Banca_m%C3%B3vil" title="Banca móvil – Spanish" lang="es" hreflang="es" data-title="Banca móvil" data-language-autonym="Español" data-language-local-name="Spanish" class="interlanguage-link-target"><span>Español</span></a></li><li class="interlanguage-link interwiki-fa mw-list-item"><a href="https://fa.wikipedia.org/wiki/%D9%87%D9%85%D8%B1%D8%A7%D9%87%E2%80%8C%D8%A8%D8%A7%D9%86%DA%A9" title="همراه‌بانک – Persian" lang="fa" hreflang="fa" data-title="همراه‌بانک" data-language-autonym="فارسی" data-language-local-name="Persian" class="interlanguage-link-target"><span>فارسی</span></a></li><li class="interlanguage-link interwiki-fr mw-list-item"><a href="https://fr.wikipedia.org/wiki/Service_bancaire_mobile" title="Service bancaire mobile – French" lang="fr" hreflang="fr" data-title="Service bancaire mobile" data-language-autonym="Français" data-language-local-name="French" class="interlanguage-link-target"><span>Français</span></a></li><li class="interlanguage-link interwiki-ko mw-list-item"><a href="https://ko.wikipedia.org/wiki/%EB%AA%A8%EB%B0%94%EC%9D%BC_%EB%B1%85%ED%82%B9" title="모바일 뱅킹 – Korean" lang="ko" hreflang="ko" data-title="모바일 뱅킹" data-language-autonym="한국어" data-language-local-name="Korean" class="interlanguage-link-target"><span>한국어</span></a></li><li class="interlanguage-link interwiki-hy mw-list-item"><a href="https://hy.wikipedia.org/wiki/%D5%80%D5%A5%D5%BC%D5%A1%D5%AD%D5%B8%D5%BD%D5%A1%D5%B5%D5%AB%D5%B6_%D5%A2%D5%A1%D5%B6%D5%AF%D5%A1%D5%B5%D5%AB%D5%B6_%D5%AE%D5%A1%D5%BC%D5%A1%D5%B5%D5%B8%D6%82%D5%A9%D5%B5%D5%B8%D6%82%D5%B6" title="Հեռախոսային բանկային ծառայություն – Armenian" lang="hy" hreflang="hy" data-title="Հեռախոսային բանկային ծառայություն" data-language-autonym="Հայերեն" data-language-local-name="Armenian" class="interlanguage-link-target"><span>Հայերեն</span></a></li><li class="interlanguage-link interwiki-hi mw-list-item"><a href="https://hi.wikipedia.org/wiki/%E0%A4%AE%E0%A5%8B%E0%A4%AC%E0%A4%BE%E0%A4%87%E0%A4%B2_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95%E0%A4%BF%E0%A4%82%E0%A4%97" title="मोबाइल बैंकिंग – Hindi" lang="hi" hreflang="hi" data-title="मोबाइल बैंकिंग" data-language-autonym="हिन्दी" data-language-local-name="Hindi" class="interlanguage-link-target"><span>हिन्दी</span></a></li><li class="interlanguage-link interwiki-id mw-list-item"><a href="https://id.wikipedia.org/wiki/Perbankan_seluler" title="Perbankan seluler – Indonesian" lang="id" hreflang="id" data-title="Perbankan seluler" data-language-autonym="Bahasa Indonesia" data-language-local-name="Indonesian" class="interlanguage-link-target"><span>Bahasa Indonesia</span></a></li><li class="interlanguage-link interwiki-kn mw-list-item"><a href="https://kn.wikipedia.org/wiki/%E0%B2%AE%E0%B3%8A%E0%B2%AC%E0%B3%88%E0%B2%B2%E0%B3%8D_%E0%B2%AC%E0%B3%8D%E0%B2%AF%E0%B2%BE%E0%B2%82%E0%B2%95%E0%B2%BF%E0%B2%82%E0%B2%97%E0%B3%8D" title="ಮೊಬೈಲ್ ಬ್ಯಾಂಕಿಂಗ್ – Kannada" lang="kn" hreflang="kn" data-title="ಮೊಬೈಲ್ ಬ್ಯಾಂಕಿಂಗ್" data-language-autonym="ಕನ್ನಡ" data-language-local-name="Kannada" class="interlanguage-link-target"><span>ಕನ್ನಡ</span></a></li><li class="interlanguage-link interwiki-lt mw-list-item"><a href="https://lt.wikipedia.org/wiki/Mobilioji_bankininkyst%C4%97" title="Mobilioji bankininkystė – Lithuanian" lang="lt" hreflang="lt" data-title="Mobilioji bankininkystė" data-language-autonym="Lietuvių" data-language-local-name="Lithuanian" class="interlanguage-link-target"><span>Lietuvių</span></a></li><li class="interlanguage-link interwiki-mk mw-list-item"><a href="https://mk.wikipedia.org/wiki/%D0%9C%D0%BE%D0%B1%D0%B8%D0%BB%D0%BD%D0%BE_%D0%B1%D0%B0%D0%BD%D0%BA%D0%B0%D1%80%D1%81%D1%82%D0%B2%D0%BE" title="Мобилно банкарство – Macedonian" lang="mk" hreflang="mk" data-title="Мобилно банкарство" data-language-autonym="Македонски" data-language-local-name="Macedonian" class="interlanguage-link-target"><span>Македонски</span></a></li><li class="interlanguage-link interwiki-ml mw-list-item"><a href="https://ml.wikipedia.org/wiki/%E0%B4%AE%E0%B5%8A%E0%B4%AC%E0%B5%88%E0%B5%BD_%E0%B4%AC%E0%B4%BE%E0%B4%99%E0%B5%8D%E0%B4%95%E0%B4%BF%E0%B4%82%E0%B4%97%E0%B5%8D" title="മൊബൈൽ ബാങ്കിംഗ് – Malayalam" lang="ml" hreflang="ml" data-title="മൊബൈൽ ബാങ്കിംഗ്" data-language-autonym="മലയാളം" data-language-local-name="Malayalam" class="interlanguage-link-target"><span>മലയാളം</span></a></li><li class="interlanguage-link interwiki-pl mw-list-item"><a href="https://pl.wikipedia.org/wiki/Bankowo%C5%9B%C4%87_mobilna" title="Bankowość mobilna – Polish" lang="pl" hreflang="pl" data-title="Bankowość mobilna" data-language-autonym="Polski" data-language-local-name="Polish" class="interlanguage-link-target"><span>Polski</span></a></li><li class="interlanguage-link interwiki-pt mw-list-item"><a href="https://pt.wikipedia.org/wiki/Banco_m%C3%B3vel" title="Banco móvel – Portuguese" lang="pt" hreflang="pt" data-title="Banco móvel" data-language-autonym="Português" data-language-local-name="Portuguese" class="interlanguage-link-target"><span>Português</span></a></li><li class="interlanguage-link interwiki-sr mw-list-item"><a href="https://sr.wikipedia.org/wiki/M-banking" title="M-banking – Serbian" lang="sr" hreflang="sr" data-title="M-banking" data-language-autonym="Српски / srpski" data-language-local-name="Serbian" class="interlanguage-link-target"><span>Српски / srpski</span></a></li><li class="interlanguage-link interwiki-tr mw-list-item"><a href="https://tr.wikipedia.org/wiki/Mobil_bankac%C4%B1l%C4%B1k" title="Mobil bankacılık – Turkish" lang="tr" hreflang="tr" data-title="Mobil bankacılık" data-language-autonym="Türkçe" data-language-local-name="Turkish" class="interlanguage-link-target"><span>Türkçe</span></a></li><li class="interlanguage-link interwiki-vi mw-list-item"><a href="https://vi.wikipedia.org/wiki/Ng%C3%A2n_h%C3%A0ng_di_%C4%91%E1%BB%99ng" title="Ngân hàng di động – Vietnamese" lang="vi" hreflang="vi" data-title="Ngân hàng di động" data-language-autonym="Tiếng Việt" data-language-local-name="Vietnamese" class="interlanguage-link-target"><span>Tiếng Việt</span></a></li> </ul> <div class="after-portlet after-portlet-lang"><span class="wb-langlinks-edit wb-langlinks-link"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q1941439#sitelinks-wikipedia" title="Edit interlanguage links" class="wbc-editpage">Edit links</a></span></div> </div> </div> </div> </header> <div class="vector-page-toolbar"> <div class="vector-page-toolbar-container"> <div id="left-navigation"> <nav aria-label="Namespaces"> <div id="p-associated-pages" class="vector-menu vector-menu-tabs mw-portlet mw-portlet-associated-pages" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="ca-nstab-main" class="selected vector-tab-noicon mw-list-item"><a href="/wiki/Mobile_banking" title="View the content page [c]" accesskey="c"><span>Article</span></a></li><li id="ca-talk" 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id="siteSub" class="noprint">From Wikipedia, the free encyclopedia</div> </div> <div id="contentSub"><div id="mw-content-subtitle"></div></div> <div id="mw-content-text" class="mw-body-content"><div class="mw-content-ltr mw-parser-output" lang="en" dir="ltr"><div class="shortdescription nomobile noexcerpt noprint searchaux" style="display:none">Service provided by a bank</div> <p class="mw-empty-elt"> </p> <style data-mw-deduplicate="TemplateStyles:r1129693374">.mw-parser-output .hlist dl,.mw-parser-output .hlist ol,.mw-parser-output .hlist ul{margin:0;padding:0}.mw-parser-output .hlist dd,.mw-parser-output .hlist dt,.mw-parser-output .hlist li{margin:0;display:inline}.mw-parser-output .hlist.inline,.mw-parser-output .hlist.inline dl,.mw-parser-output .hlist.inline ol,.mw-parser-output .hlist.inline ul,.mw-parser-output .hlist dl dl,.mw-parser-output .hlist dl ol,.mw-parser-output .hlist dl ul,.mw-parser-output .hlist ol dl,.mw-parser-output .hlist ol ol,.mw-parser-output .hlist ol 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.sidebar-title-with-pretitle a{color:var(--color-progressive)!important}}@media print{body.ns-0 .mw-parser-output .sidebar{display:none!important}}</style><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1246091330"><table class="sidebar sidebar-collapse nomobile nowraplinks"><tbody><tr><td class="sidebar-pretitle">Part of a series on <a href="/wiki/Financial_services" title="Financial services">financial services</a></td></tr><tr><th class="sidebar-title-with-pretitle" style="background:#efefef;padding:0.4em;"><a href="/wiki/Bank" title="Bank">Banking</a></th></tr><tr><td class="sidebar-image"><span class="skin-invert" typeof="mw:File"><a href="/wiki/File:Community_Noun_project_39956.svg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/8/8d/Community_Noun_project_39956.svg/120px-Community_Noun_project_39956.svg.png" decoding="async" width="120" height="126" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/8/8d/Community_Noun_project_39956.svg/180px-Community_Noun_project_39956.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/8/8d/Community_Noun_project_39956.svg/240px-Community_Noun_project_39956.svg.png 2x" data-file-width="56" data-file-height="59" /></a></span></td></tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)">Types of banks</div><div class="sidebar-list-content mw-collapsible-content hlist"> <ul><li><a href="/wiki/Advising_bank" title="Advising bank">Advising</a></li> <li><a href="/wiki/Banq_(term)" class="mw-redirect" title="Banq (term)">Banq</a></li> <li><a href="/wiki/Bulge_bracket" title="Bulge bracket">Bulge bracket</a></li> <li><a href="/wiki/Central_bank" title="Central bank">Central</a></li> <li><a href="/wiki/Commercial_bank" title="Commercial bank">Commercial</a></li> <li><a href="/wiki/Community_development_bank" title="Community development bank">Community development</a></li> <li><a href="/wiki/Cooperative_banking" title="Cooperative banking">Cooperative</a></li> <li><a href="/wiki/Credit_union" title="Credit union">Credit union</a></li> <li><a href="/wiki/Custodian_bank" title="Custodian bank">Custodian</a></li> <li><a href="/wiki/Depository_bank" title="Depository bank">Depository</a></li> <li><a href="/wiki/Development_finance_institution" title="Development finance institution">Development</a></li> <li><a href="/wiki/Direct_bank" title="Direct bank">Direct</a></li> <li><a href="/wiki/Export_credit_agency" title="Export credit agency">Export credit agency</a></li> <li><a href="/wiki/Investment_banking" title="Investment banking">Investment</a></li> <li><a href="/wiki/Industrial_loan_company" title="Industrial loan company">Industrial</a></li> <li><a href="/wiki/Merchant_bank" title="Merchant bank">Merchant</a></li> <li><a href="/wiki/Bulge_Bracket#Middle_Market" class="mw-redirect" title="Bulge Bracket">Middle market</a></li> <li><a href="/wiki/Money_center_bank" title="Money center bank">Money center</a></li> <li><a href="/wiki/Mutual_savings_bank" title="Mutual savings bank">Mutual savings</a></li> <li><a href="/wiki/Neobank" title="Neobank">Neobank</a></li> <li><a href="/wiki/Offshore_bank" title="Offshore bank">Offshore</a></li> <li><a href="/wiki/Participation_banking" title="Participation banking">Participation</a></li> <li><a href="/wiki/Payments_bank" title="Payments bank">Payments</a></li> <li><a href="/wiki/Postal_savings_system" title="Postal savings system">Postal savings</a></li> <li><a href="/wiki/Private_bank" title="Private bank">Private</a></li> <li><a href="/wiki/Public_bank" title="Public bank">Public</a></li> <li><a href="/wiki/Retail_banking" title="Retail banking">Retail</a></li> <li><a href="/wiki/Savings_bank" title="Savings bank">Savings</a></li> <li><a href="/wiki/Savings_and_loan_association" title="Savings and loan association">Savings and loan</a></li> <li><a href="/wiki/Universal_bank" title="Universal bank">Universal</a></li> <li><a href="/wiki/Wholesale_banking" title="Wholesale banking">Wholesale</a></li> <li><a href="/wiki/Bank_holding_company" title="Bank holding company">Bank holding company</a></li></ul> <i><a href="/wiki/Lists_of_banks" title="Lists of banks">Lists of banks</a></i></div></div></td> </tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)"><a href="/wiki/Bank_account" title="Bank account">Accounts</a> <b>·</b> <a href="/wiki/Bank_card" title="Bank card">Cards</a></div><div class="sidebar-list-content mw-collapsible-content hlist"><table class="sidebar nomobile nowraplinks" style="background-color: transparent; color: var( --color-base ); border-collapse:collapse; border-spacing:0px; border:none; width:100%; margin:0px; font-size:100%; clear:none; float:none"><tbody><tr><th class="sidebar-heading" style="background:#e9e9ff;font-weight:normal; display:block;margin-top:0.15em;"> Accounts</th></tr><tr><td class="sidebar-content" style="padding-top:0.15em;"> <ul><li><a href="/wiki/Christmas_club" title="Christmas club">Christmas club</a></li> <li><a href="/wiki/Deposit_account" title="Deposit account">Deposit</a></li> <li><a href="/wiki/Money_market_account" title="Money market account">Money-market</a></li> <li><a href="/wiki/Savings_account" title="Savings account">Savings</a></li> <li><a href="/wiki/Time_deposit" title="Time deposit">Time deposit (Bond)</a></li></ul> <a href="/wiki/Transaction_account" title="Transaction account">Transaction (checking / current)</a></td> </tr><tr><th class="sidebar-heading" style="background:#e9e9ff;font-weight:normal; display:block;margin-top:0.15em;"> Cards</th></tr><tr><td class="sidebar-content" style="padding-top:0.15em;"> <ul><li><a href="/wiki/ATM_card" title="ATM card">ATM</a></li> <li><a href="/wiki/Credit_card" title="Credit card">Credit</a></li> <li><a href="/wiki/Debit_card" title="Debit card">Debit</a></li> <li><a href="/wiki/Credit_card#Prepaid_cards" title="Credit card">Prepaid</a></li></ul></td> </tr></tbody></table></div></div></td> </tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible mw-collapsed"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)">Funds transfer</div><div class="sidebar-list-content mw-collapsible-content hlist"> <ul><li><a href="/wiki/Cheque" title="Cheque">Cheque</a></li> <li><a href="/wiki/Payment_card" title="Payment card">Card</a></li> <li><a href="/wiki/Electronic_funds_transfer" title="Electronic funds transfer">Electronic</a> <ul><li><a href="/wiki/Electronic_bill_payment" title="Electronic bill payment">Bill payment</a></li> <li><a href="/wiki/Mobile_payment" title="Mobile payment">Mobile</a></li></ul></li> <li><a href="/wiki/Wire_transfer" title="Wire transfer">Wire</a> <ul><li><a href="/wiki/Real-time_gross_settlement" title="Real-time gross settlement">RTGS</a></li> <li><a href="/wiki/Net_settlement" title="Net settlement">NS</a></li></ul></li> <li><a href="/wiki/Automated_clearing_house" title="Automated clearing house">ACH</a></li> <li><a href="/wiki/Instant_payment" title="Instant payment">Instant payment</a></li> <li><a href="/wiki/Giro_(banking)" title="Giro (banking)">Giro</a></li> <li><a href="/wiki/SWIFT" title="SWIFT">SWIFT</a> <ul><li><a href="/wiki/Correspondent_account" title="Correspondent account">Correspondent account</a></li></ul></li> <li><a href="/wiki/CLS_Group#Operations" title="CLS Group">CLS</a></li> <li><a href="/wiki/Cross-Border_Interbank_Payment_System" title="Cross-Border Interbank Payment System">CIPS</a></li> <li><a href="/wiki/SPFS" title="SPFS">SPFS</a></li> <li><a href="/wiki/BRICS_PAY" title="BRICS PAY">BRICS PAY</a></li></ul></div></div></td> </tr><tr><td class="sidebar-content"> <div class="sidebar-list mw-collapsible"><div class="sidebar-list-title" style="background:#efefef;;color: var(--color-base)">Terms</div><div class="sidebar-list-content mw-collapsible-content hlist"><table class="sidebar nomobile nowraplinks" style="background-color: transparent; color: var( --color-base ); border-collapse:collapse; border-spacing:0px; border:none; width:100%; margin:0px; font-size:100%; clear:none; float:none"><tbody><tr><td class="sidebar-content" style="padding-top:0.15em;"> <ul><li><a href="/wiki/Asset" title="Asset">Asset</a> <ul><li><a href="/wiki/Asset_allocation" title="Asset allocation">allocation</a></li> <li><a href="/wiki/Asset_and_liability_management" title="Asset and liability management">management</a></li></ul></li> <li><a href="/wiki/Automated_teller_machine" class="mw-redirect" title="Automated teller machine">Automated teller machine</a></li> <li><a href="/wiki/Bad_debt" title="Bad debt">Bad debt</a></li> <li><a href="/wiki/Bank_regulation" class="mw-redirect" title="Bank regulation">Bank regulation</a></li> <li><a href="/wiki/Bank_secrecy" title="Bank secrecy">Bank secrecy</a></li> <li><a href="/wiki/Capital_appreciation" title="Capital appreciation">Asset growth</a></li> <li><a href="/wiki/Capital_asset" title="Capital asset">Capital asset</a></li> <li><a href="/wiki/Cash" title="Cash">Cash</a></li> <li><a href="/wiki/Climate_finance" title="Climate finance">Climate finance</a></li> <li><a href="/wiki/Corporate_finance" title="Corporate finance">Corporate finance</a></li> <li><a href="/wiki/Disinvestment" title="Disinvestment">Disinvestment</a></li> <li><a href="/wiki/Diversification_(finance)" title="Diversification (finance)">Diversification (finance)</a></li> <li><a href="/wiki/Eco-investing" title="Eco-investing">Eco-investing</a></li> <li><a href="/wiki/Economic_bubble" title="Economic bubble">Economic bubble</a></li> <li><a href="/wiki/Economic_expansion" title="Economic expansion">Economic expansion</a></li> <li><a href="/wiki/Enterprise_value" title="Enterprise value">Enterprise value</a></li> <li><a href="/wiki/Enterprise_risk_management" title="Enterprise risk management">Enterprise risk management</a></li> <li><a href="/wiki/Environmental_finance" title="Environmental finance">Environmental finance</a></li> <li><a href="/wiki/Environmental,_social,_and_governance" title="Environmental, social, and governance">ESG</a></li> <li><a href="/wiki/Ethical_banking" title="Ethical banking">Ethical banking</a></li> <li><a href="/wiki/Finance" title="Finance">Financial</a> <ul><li><a href="/wiki/Financial_analysis" title="Financial analysis">analysis</a></li> <li><a href="/wiki/Financial_analyst" title="Financial analyst">analyst</a></li> <li><a href="/wiki/Financial_asset" 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title="Hedge (finance)">Hedge (finance)</a></li> <li><a href="/wiki/Impact_investing" title="Impact investing">Impact investing</a></li> <li><a href="/wiki/Investment_advisory" title="Investment advisory">Investment advisory</a></li> <li><a href="/wiki/Investment_management" title="Investment management">Investment management</a></li> <li><a href="/wiki/Islamic_banking_and_finance" title="Islamic banking and finance">Islamic banking</a></li> <li><a href="/wiki/Loan" title="Loan">Loan</a></li> <li><a href="/wiki/Mathematical_finance" title="Mathematical finance">Mathematical finance</a></li> <li><a class="mw-selflink selflink">Mobile banking</a></li> <li><a href="/wiki/Money_creation" title="Money creation">Money creation</a></li> <li><a href="/wiki/Pension_fund" title="Pension fund">Pension fund</a></li> <li><a href="/wiki/Private_banking" title="Private banking">Private banking</a></li> <li><a href="/wiki/Sustainability" title="Sustainability">Sustainability</a></li> <li><a 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topics</div><div class="sidebar-list-content mw-collapsible-content hlist" style="padding-bottom:0;"> <ul><li><a href="/wiki/Asset_pricing" title="Asset pricing">Asset pricing</a></li> <li><a href="/wiki/Bond_(finance)" title="Bond (finance)">Bond (finance)</a></li> <li><a href="/wiki/Capital_structure" title="Capital structure">Capital structure</a></li> <li><a href="/wiki/Corporate_finance" title="Corporate finance">Corporate finance</a></li> <li><a href="/wiki/Cost_of_capital" title="Cost of capital">Cost of capital</a></li> <li><a href="/wiki/Equity_(finance)" title="Equity (finance)">Equity (finance)</a></li> <li><a href="/wiki/Ethical_banking" title="Ethical banking">Ethical banking</a></li> <li><a href="/wiki/Exchange_traded_fund" class="mw-redirect" title="Exchange traded fund">Exchange traded fund</a></li> <li><a href="/wiki/Finance" title="Finance">Financial</a></li> <li><a href="/wiki/Financial_law" title="Financial law">law</a> <ul><li><a href="/wiki/Financial_market" title="Financial market">market</a></li> <li><a href="/wiki/Financial_market_participants" title="Financial market participants">participants</a></li> <li><a href="/wiki/Financial_regulation" title="Financial regulation">regulation</a></li> <li><a href="/wiki/Financial_risk" title="Financial risk">risk</a></li> <li><a href="/wiki/Financial_system" title="Financial system">system</a></li></ul></li> <li><a href="/wiki/History_of_banking" title="History of banking">History of banking</a></li> <li><a href="/wiki/List_of_banks_(alphabetical)" title="List of banks (alphabetical)">List of banks</a></li> <li><a href="/wiki/Market_risk" title="Market risk">Market risk</a></li> <li><a href="/wiki/Personal_finance" title="Personal finance">Personal finance</a></li> <li><a href="/wiki/Public_finance" title="Public finance">Public finance</a></li> <li><a href="/wiki/Security_(finance)" title="Security (finance)">Security (finance)</a></li> <li><a href="/wiki/Share_(finance)" title="Share (finance)">Shares</a></li> <li><a href="/wiki/Sustainable_development_goals" class="mw-redirect" title="Sustainable development goals">Sustainable development goals</a></li> <li><a href="/wiki/Systematic_risk" title="Systematic risk">Systematic risk</a></li> <li><a href="/wiki/Systemic_risk" title="Systemic risk">Systemic risk</a></li> <li><a href="/wiki/Time_value_of_money" title="Time value of money">Time value of money</a></li> <li><a href="/wiki/Too_big_to_fail" title="Too big to fail">Too big to fail</a></li> <li><a href="/wiki/Too_connected_to_fail" title="Too connected to fail">Too connected to fail</a></li> <li><a href="/wiki/Watered_stock" title="Watered stock">Watered stock</a></li></ul> <ol><li class="mw-empty-elt"></li></ol></div></div></td> </tr><tr><td class="sidebar-below hlist"> <ul><li><span class="noviewer" typeof="mw:File"><span title="Category"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/16px-Symbol_category_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/23px-Symbol_category_class.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/31px-Symbol_category_class.svg.png 2x" data-file-width="180" data-file-height="185" /></span></span> <a href="/wiki/Category:Banking" title="Category:Banking">Category</a></li> <li><span class="noviewer" typeof="mw:File"><span title="Commons page"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/4/4a/Commons-logo.svg/12px-Commons-logo.svg.png" decoding="async" width="12" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/4/4a/Commons-logo.svg/18px-Commons-logo.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/4/4a/Commons-logo.svg/24px-Commons-logo.svg.png 2x" data-file-width="1024" data-file-height="1376" /></span></span> <a href="https://commons.wikimedia.org/wiki/Category:Banking" class="extiw" title="commons:Category:Banking">Commons</a></li> <li><span class="noviewer" typeof="mw:File"><a href="/wiki/File:Symbol_portal_class.svg" class="mw-file-description" title="Portal"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/e/e2/Symbol_portal_class.svg/16px-Symbol_portal_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/e/e2/Symbol_portal_class.svg/23px-Symbol_portal_class.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/e/e2/Symbol_portal_class.svg/31px-Symbol_portal_class.svg.png 2x" data-file-width="180" data-file-height="185" /></a></span> <a href="/wiki/Portal:Banking" class="mw-redirect" title="Portal:Banking">Portal</a></li></ul></td></tr><tr><td class="sidebar-navbar"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><style data-mw-deduplicate="TemplateStyles:r1239400231">.mw-parser-output .navbar{display:inline;font-size:88%;font-weight:normal}.mw-parser-output .navbar-collapse{float:left;text-align:left}.mw-parser-output .navbar-boxtext{word-spacing:0}.mw-parser-output .navbar ul{display:inline-block;white-space:nowrap;line-height:inherit}.mw-parser-output .navbar-brackets::before{margin-right:-0.125em;content:"[ "}.mw-parser-output .navbar-brackets::after{margin-left:-0.125em;content:" ]"}.mw-parser-output .navbar li{word-spacing:-0.125em}.mw-parser-output .navbar a>span,.mw-parser-output .navbar a>abbr{text-decoration:inherit}.mw-parser-output .navbar-mini abbr{font-variant:small-caps;border-bottom:none;text-decoration:none;cursor:inherit}.mw-parser-output .navbar-ct-full{font-size:114%;margin:0 7em}.mw-parser-output .navbar-ct-mini{font-size:114%;margin:0 4em}html.skin-theme-clientpref-night .mw-parser-output .navbar li a abbr{color:var(--color-base)!important}@media(prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .navbar li a abbr{color:var(--color-base)!important}}@media print{.mw-parser-output .navbar{display:none!important}}</style><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:Banking" title="Template:Banking"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Banking" title="Template talk:Banking"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Banking" title="Special:EditPage/Template:Banking"><abbr title="Edit this template">e</abbr></a></li></ul></div></td></tr></tbody></table> <p><b>Mobile banking</b> is a service provided by a <a href="/wiki/Bank" title="Bank">bank</a> or other <a href="/wiki/Financial_institution" title="Financial institution">financial institution</a> that allows its customers to conduct <a href="/wiki/Financial_transaction" title="Financial transaction">financial transactions</a> remotely using a <a href="/wiki/Mobile_device" title="Mobile device">mobile device</a> such as a <a href="/wiki/Smartphone" title="Smartphone">smartphone</a> or <a href="/wiki/Tablet_computer" title="Tablet computer">tablet</a>. Unlike the related <a href="/wiki/Internet_banking" class="mw-redirect" title="Internet banking">internet banking</a> it uses software, usually called an <a href="/wiki/Mobile_app" title="Mobile app">app</a>, provided by the financial institution for the purpose. Mobile banking is usually available on a 24-hour basis. Some financial institutions have restrictions on which accounts may be accessed through mobile banking, as well as a limit on the amount that can be transacted. Mobile banking is dependent on the availability of an internet or data connection to the mobile device. </p><p>Transactions through mobile banking depend on the features of the mobile banking app provided and typically includes obtaining account balances and lists of latest transactions, <a href="/wiki/Electronic_bill_payment" title="Electronic bill payment">electronic bill payments</a>, <a href="/wiki/Remote_check_deposit" class="mw-redirect" title="Remote check deposit">remote check deposits</a>, <a href="/wiki/Peer-to-peer_banking" title="Peer-to-peer banking">P2P payments</a>, and <a href="/wiki/Giro_(banking)" title="Giro (banking)">funds transfers</a> between a customer's or another's <a href="/wiki/Deposit_account" title="Deposit account">accounts</a>.<sup id="cite_ref-1" class="reference"><a href="#cite_note-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> Some apps also enable copies of statements to be downloaded and sometimes printed at the customer's premises. Using a mobile banking app increases ease of use, speed, flexibility and also improves security because it integrates with the user built-in mobile device security mechanisms.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (September 2019)">citation needed</span></a></i>]</sup> </p><p>From the bank's point of view, mobile banking reduces the cost of handling transactions by reducing the need for customers to visit a <a href="/wiki/Branch_(banking)" title="Branch (banking)">bank branch</a> for non-cash withdrawal and deposit transactions. Mobile banking does not handle transactions involving cash, and a customer needs to visit an <a href="/wiki/Automated_teller_machine" class="mw-redirect" title="Automated teller machine">ATM</a> or bank branch for cash withdrawals or deposits. Many apps now have a <a href="/wiki/Remote_deposit" title="Remote deposit">remote deposit</a> option; using the device's <a href="/wiki/Camera_phone" title="Camera phone">camera</a> to digitally transmit cheques to their financial institution. </p><p>Mobile banking differs from <a href="/wiki/Mobile_payment" title="Mobile payment">mobile payments</a>, which involves the use of a mobile device to pay for goods or services either at the <a href="/wiki/Point_of_sale" title="Point of sale">point of sale</a> or remotely,<sup id="cite_ref-2" class="reference"><a href="#cite_note-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> analogously to the use of a debit or credit card to effect an <a href="/wiki/EFTPOS" title="EFTPOS">EFTPOS</a> payment. </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="History">History</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=1" title="Edit section: History"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The earliest mobile banking services used <a href="/wiki/SMS" title="SMS">SMS</a>, a service known as <a href="/wiki/SMS_banking" title="SMS banking">SMS banking</a>. With the introduction of <a href="/wiki/Smart_phones" class="mw-redirect" title="Smart phones">smart phones</a> with <a href="/wiki/Wireless_Application_Protocol" title="Wireless Application Protocol">WAP</a> support enabling the use of the <a href="/wiki/Mobile_web" title="Mobile web">mobile web</a> in 1999, the first European banks started to offer mobile banking on this platform to their customers.<sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup> </p><p>Mobile banking before 2010 was most often performed via SMS or the <a href="/wiki/Mobile_web" title="Mobile web">mobile web</a>. <a href="/wiki/Apple_Inc." title="Apple Inc.">Apple's</a> initial success with the <a href="/wiki/IPhone" title="IPhone">iPhone</a> and the rapid growth of phones based on <a href="/wiki/Google" title="Google">Google's</a> <a href="/wiki/Android_(operating_system)" title="Android (operating system)">Android</a> operating system have led to increasing use of special <a href="/wiki/Mobile_app" title="Mobile app">mobile apps</a>, downloaded to the mobile device. With that said, advancements in web technologies such as <a href="/wiki/HTML5" title="HTML5">HTML5</a>, <a href="/wiki/CSS3" class="mw-redirect" title="CSS3">CSS3</a> and <a href="/wiki/JavaScript" title="JavaScript">JavaScript</a> have seen more banks launching mobile web based services to complement native applications. These applications are consisted of a <a href="/wiki/Web_application" title="Web application">web application</a> module in <a href="/wiki/JavaServer_Pages" class="mw-redirect" title="JavaServer Pages">JSP</a> such as <a href="/wiki/Java_Platform,_Enterprise_Edition" class="mw-redirect" title="Java Platform, Enterprise Edition">J2EE</a> and functions of another module <a href="/wiki/Java_Platform,_Micro_Edition" title="Java Platform, Micro Edition">J2ME</a>.<sup id="cite_ref-4" class="reference"><a href="#cite_note-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> </p><p>A recent study (May 2012) by Mapa Research suggests that over a third of banks<sup id="cite_ref-5" class="reference"><a href="#cite_note-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> have mobile device detection upon visiting the banks' main website. A number of things can happen on mobile detection such as redirecting to an app store, redirection to a mobile banking specific website or providing a menu of mobile banking options for the user to choose from. </p> <div class="mw-heading mw-heading2"><h2 id="Concept">Concept</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=2" title="Edit section: Concept"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In one academic model,<sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup> mobile banking is defined as: </p> <blockquote> <p>Mobile Banking refers to provision and availment of banking- and financial services with the help of mobile telecommunication devices.The scope of offered services may include facilities to conduct bank and stock market transactions, to administer accounts and to access customised information." </p> </blockquote> <p>According to this model mobile banking can be said to consist of three inter-related concepts: </p> <ul><li>Mobile accounting</li> <li>Mobile financial information services</li></ul> <p>Most services in the categories designated <i><a href="/wiki/Accounting" title="Accounting">accounting</a></i> and <i><a href="/wiki/Brokerage" class="mw-redirect" title="Brokerage">brokerage</a></i> are transaction-based. The non-transaction-based services of an informational nature are however essential for conducting transactions – for instance, balance inquiries might be needed before committing a money remittance. The accounting and brokerage services are therefore offered invariably in combination with information services. Information services, on the other hand, may be offered as an independent module. </p><p>Mobile banking may also be used to help in business situations as well as for financial situation </p> <div class="mw-heading mw-heading2"><h2 id="Mobile_banking_services">Mobile banking services</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=3" title="Edit section: Mobile banking services"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Typical mobile banking services may include: </p> <div class="mw-heading mw-heading3"><h3 id="Account_information">Account information</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=4" title="Edit section: Account information"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ol><li>Mini-statements and checking of account history</li> <li>Alerts on account activity or passing of set thresholds</li> <li>Monitoring of <a href="/wiki/Term_deposits" class="mw-redirect" title="Term deposits">term deposits</a></li> <li>Access to loan statements</li> <li>Access to <a href="/wiki/Card_statement" class="mw-redirect" title="Card statement">card statements</a></li> <li><a href="/wiki/Mutual_fund" title="Mutual fund">Mutual funds</a> / equity statements</li> <li><a href="/wiki/Insurance_policy" title="Insurance policy">Insurance policy</a> management</li></ol> <div class="mw-heading mw-heading3"><h3 id="Transaction">Transaction</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=5" title="Edit section: Transaction"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ol><li><a href="/wiki/Giro_(banking)" title="Giro (banking)">Funds transfers</a> between the customer's linked accounts</li> <li>Paying third parties, including <a href="/wiki/Electronic_bill_payment" title="Electronic bill payment">bill payments</a> and third party <a href="/wiki/Electronic_fund_transfer" class="mw-redirect" title="Electronic fund transfer">fund transfers</a>(see, e.g., <a href="/w/index.php?title=Fast_And_Secure_Transfers&action=edit&redlink=1" class="new" title="Fast And Secure Transfers (page does not exist)">FAST</a>)</li> <li><a href="/wiki/Remote_deposit" title="Remote deposit">Check Remote Deposit</a></li></ol> <div class="mw-heading mw-heading3"><h3 id="Investments">Investments</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=6" title="Edit section: Investments"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ol><li><a href="/wiki/Portfolio_manager" title="Portfolio manager">Portfolio management</a> services</li> <li>Real-time stock</li></ol> <div class="mw-heading mw-heading3"><h3 id="Support">Support</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=7" title="Edit section: Support"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ol><li>Status of requests for credit, including mortgage approval, and insurance coverage</li> <li>Check (cheque) book and card requests</li> <li>Exchange of data messages and email, including complaint submission and tracking</li> <li>ATM Location</li> <li>Loan Application</li></ol> <div class="mw-heading mw-heading3"><h3 id="Content_services">Content services</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=8" title="Edit section: Content services"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ol><li>General information such as finance related news</li> <li><a href="/wiki/Loyalty_program" title="Loyalty program">Loyalty-related</a> offers</li></ol> <p>A report by the US Federal Reserve (March 2012) found that 21 percent of mobile phone owners had used mobile banking in the past 12 months.<sup id="cite_ref-7" class="reference"><a href="#cite_note-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup> Based on a survey conducted by Forrester, mobile banking will be attractive mainly to the younger, more "tech-savvy" customer segment. A third of mobile phone users say that they may consider performing some kind of financial transaction through their mobile phone. But most of the users are interested in performing basic transactions such as querying for account balance and making bill. </p> <div class="mw-heading mw-heading2"><h2 id="Challenges">Challenges</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=9" title="Edit section: Challenges"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Key challenges in developing a sophisticated mobile banking application are : </p> <div class="mw-heading mw-heading3"><h3 id="Handset_accessibility">Handset accessibility</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=10" title="Edit section: Handset accessibility"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>There are a large number of different mobile phone devices and it is a big challenge for banks to offer a mobile banking solution<sup class="noprint Inline-Template" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Use_plain_English#Buzzwords" title="Wikipedia:Use plain English"><span title="The material near this tag may use buzzwords designed solely to impress you or obscure meaning. (August 2019)">buzzword</span></a></i>]</sup> on any type of device. Some of these devices support <a href="/wiki/Java_ME" class="mw-redirect" title="Java ME">Java ME</a> and others support <a href="/wiki/SIM_Application_Toolkit" title="SIM Application Toolkit">SIM Application Toolkit</a>, a WAP browser, or only <a href="/wiki/SMS" title="SMS">SMS</a>. </p><p>Initial interoperability issues however have been localized, with countries like India using portals like "R-World" to enable the limitations of low end java based phones, while focus on areas such as South Africa have defaulted to the <a href="/wiki/USSD" class="mw-redirect" title="USSD">USSD</a> as a basis of communication achievable with any phone. </p><p>The desire for interoperability is largely dependent on the banks themselves, where installed applications(Java based or native) provide better security, are easier to use and allow development of more complex capabilities similar to those of internet banking while SMS can provide the basics but becomes difficult to operate with more complex transactions. </p><p>There is a myth that there is a challenge of interoperability between mobile banking applications due to perceived lack of common technology standards for mobile banking. In practice it is too early in the service lifecycle for interoperability to be addressed within an individual country, as very few countries have more than one mobile banking service provider. In practice, banking interfaces are well defined and money movements between banks follow the IS0-8583 standard. As mobile banking matures, money movements between service providers will naturally adopt the same standards as in the banking world. </p><p>In January 2009, <a href="/w/index.php?title=Mobile_Marketing_Association&action=edit&redlink=1" class="new" title="Mobile Marketing Association (page does not exist)">Mobile Marketing Association</a> (MMA) Banking Sub-Committee, chaired by CellTrust and VeriSign Inc., published the Mobile Banking Overview for financial institutions in which it discussed the advantages and disadvantages of Mobile Channel Platforms such as Short Message Services (<a href="/wiki/SMS" title="SMS">SMS</a>), Mobile Web, Mobile Client Applications, SMS with Mobile Web and Secure SMS.<sup id="cite_ref-8" class="reference"><a href="#cite_note-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Security">Security</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=11" title="Edit section: Security"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1236090951">.mw-parser-output .hatnote{font-style:italic}.mw-parser-output div.hatnote{padding-left:1.6em;margin-bottom:0.5em}.mw-parser-output .hatnote i{font-style:normal}.mw-parser-output .hatnote+link+.hatnote{margin-top:-0.5em}@media print{body.ns-0 .mw-parser-output .hatnote{display:none!important}}</style><div role="note" class="hatnote navigation-not-searchable">See also: <a href="/wiki/Mobile_security" title="Mobile security">Mobile security</a></div> <p>As with most internet-connected devices, as well as mobile-telephony devices, <a href="/wiki/Cybercrime" title="Cybercrime">cybercrime</a> rates are escalating year-on-year. The types of cybercrimes which may affect mobile-banking might range from unauthorized use while the owner is using the mobile banking, to remote-hacking, or even jamming or interference via the internet or telephone network data streams. This is demonstrated by the <a href="/wiki/Malware" title="Malware">malware</a> called <i>SMSZombie.A</i>, which infected Chinese Android devices. It was embedded in wallpaper apps and installed itself so it can exploit the weaknesses of China Mobile SMS Payment system, stealing banks credit card numbers and information linked to financial transactions.<sup id="cite_ref-9" class="reference"><a href="#cite_note-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup> A malware discovered recently was the <a href="/wiki/Trojan_horse_(computing)" title="Trojan horse (computing)">Trojan</a> called <i>Bankbot</i>. It went past Google's protections in its Android app marketplace and targeted mobile banking customers on Android devices worldwide before its removal by Google in September 2017.<sup id="cite_ref-10" class="reference"><a href="#cite_note-10"><span class="cite-bracket">[</span>10<span class="cite-bracket">]</span></a></sup> </p><p>In the banking world, currency rates may change by the millisecond. Security of financial transactions, being executed from some remote location and transmission of financial information over the air, are the most complicated challenges that need to be addressed jointly by mobile application developers, wireless network service providers and the banks' IT departments.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (February 2024)">citation needed</span></a></i>]</sup> </p><p><a href="/wiki/One-time_password" title="One-time password">One-time passwords</a> (OTPs) are one tool used by financial and banking service providers in the fight against <a href="/wiki/Cyber_fraud" class="mw-redirect" title="Cyber fraud">cyber fraud</a>.<sup id="cite_ref-otp_11-0" class="reference"><a href="#cite_note-otp-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup> Instead of relying on traditional memorized passwords, OTPs are requested by consumers each time they want to perform transactions using the online or mobile banking interface. When the request is received the password is sent to the consumer's phone via SMS. The password is expired once it has been used or once its scheduled life-cycle has expired. </p> <div class="mw-heading mw-heading3"><h3 id="Scalability_and_reliability">Scalability and reliability</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=12" title="Edit section: Scalability and reliability"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Another challenge for the <a href="/wiki/Chief_information_officer" title="Chief information officer">CIOs</a> and <a href="/wiki/Chief_technical_officer" class="mw-redirect" title="Chief technical officer">CTOs</a> of the banks is to scale-up the mobile banking infrastructure to handle exponential growth of the customer base. With mobile banking, the customer may be sitting in any part of the world (true anytime, anywhere banking) and hence banks need to ensure that the systems are up and running in a true 24 × 7 fashion. As customers will find mobile banking more and more useful, their expectations from the solution<sup class="noprint Inline-Template" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Use_plain_English#Buzzwords" title="Wikipedia:Use plain English"><span title="The material near this tag may use buzzwords designed solely to impress you or obscure meaning. (August 2019)">buzzword</span></a></i>]</sup> will increase. Banks unable to meet the performance and reliability expectations may lose customer confidence. There are systems such as <a href="/w/index.php?title=Mobile_Transaction_Platform&action=edit&redlink=1" class="new" title="Mobile Transaction Platform (page does not exist)">Mobile Transaction Platform</a> which allow quick and secure mobile enabling of various banking services. Recently in India there has been a phenomenal growth in the use of Mobile Banking applications, with leading banks adopting Mobile Transaction Platform and the <a href="/wiki/Reserve_Bank_of_India" title="Reserve Bank of India">Central Bank</a> publishing guidelines for mobile banking operations. </p> <div class="mw-heading mw-heading3"><h3 id="Application_distribution">Application distribution</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=13" title="Edit section: Application distribution"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Due to the nature of the connectivity between bank and its customers, it would be impractical to expect customers to regularly visit banks or connect to a web site for regular upgrade of their mobile banking application. It will be expected that the mobile application itself check the upgrades and updates and download necessary patches (so called "Over The Air" updates). However, there could be many issues to implement this approach such as upgrade / synchronization of other dependent components. </p><p>Studies have shown that a huge concerning factor of having mobile banking more widely used, is a banking customer's unwillingness to adapt. Many consumers, whether they are misinformed or not, do not want to begin using mobile banking for several reasons. These can include the learning curve associated with new technology, having fears about possible security compromises, just simply not wanting to start using technology, etc. </p> <div class="mw-heading mw-heading3"><h3 id="Personalization">Personalization</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=14" title="Edit section: Personalization"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>It would be expected from the mobile application to support personalization such as: </p> <ol><li>Preferred Language</li> <li>Date / Time format</li> <li>Amount format</li> <li>Default transactions</li> <li>Standard Beneficiary list</li> <li>Alerts</li></ol> <div class="mw-heading mw-heading2"><h2 id="Mobile_banking_in_the_world">Mobile banking in the world</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=15" title="Edit section: Mobile banking in the world"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236090951"><div role="note" class="hatnote navigation-not-searchable">See also: <a href="/wiki/List_of_countries_by_mobile_banking_usage" title="List of countries by mobile banking usage">List of countries by mobile banking usage</a></div> <p>This is a list of countries by mobile banking usage as measured by the percentage of people who had non-SMS mobile banking transactions in the previous three months. The data is sourced from <a href="/wiki/Bain_%26_Company" title="Bain & Company">Bain</a>, Research Now and Bain along with GMI NPS surveys in 2012.<sup id="cite_ref-bloomberg_12-0" class="reference"><a href="#cite_note-bloomberg-12"><span class="cite-bracket">[</span>12<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-gigaom_13-0" class="reference"><a href="#cite_note-gigaom-13"><span class="cite-bracket">[</span>13<span class="cite-bracket">]</span></a></sup> </p> <table class="wikitable sortable" style="font-size: 100%; text-align: center; width: 15%;"> <tbody><tr> <th>Rank</th> <th>Country/Territory</th> <th>Usage in 2012 </th></tr> <tr> <td>1</td> <td style="text-align: left"><span data-sort-value="South Korea"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/0/09/Flag_of_South_Korea.svg/23px-Flag_of_South_Korea.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/0/09/Flag_of_South_Korea.svg/35px-Flag_of_South_Korea.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/0/09/Flag_of_South_Korea.svg/45px-Flag_of_South_Korea.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/South_Korea" title="South Korea">South Korea</a></span></td> <td>47% </td></tr> <tr> <td>2</td> <td style="text-align: left"><span data-sort-value="China"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/f/fa/Flag_of_the_People%27s_Republic_of_China.svg/23px-Flag_of_the_People%27s_Republic_of_China.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/f/fa/Flag_of_the_People%27s_Republic_of_China.svg/35px-Flag_of_the_People%27s_Republic_of_China.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/f/fa/Flag_of_the_People%27s_Republic_of_China.svg/45px-Flag_of_the_People%27s_Republic_of_China.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/China" title="China">China</a></span></td> <td>42% </td></tr> <tr> <td>3</td> <td style="text-align: left"><span data-sort-value="Hong Kong"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/5/5b/Flag_of_Hong_Kong.svg/23px-Flag_of_Hong_Kong.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/5/5b/Flag_of_Hong_Kong.svg/35px-Flag_of_Hong_Kong.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/5/5b/Flag_of_Hong_Kong.svg/45px-Flag_of_Hong_Kong.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/Hong_Kong" title="Hong Kong">Hong Kong</a></span></td> <td>41% </td></tr> <tr> <td>4</td> <td style="text-align: left"><span data-sort-value="Singapore"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/4/48/Flag_of_Singapore.svg/23px-Flag_of_Singapore.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/4/48/Flag_of_Singapore.svg/35px-Flag_of_Singapore.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/4/48/Flag_of_Singapore.svg/45px-Flag_of_Singapore.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/Singapore" title="Singapore">Singapore</a></span></td> <td>38% </td></tr> <tr> <td>5</td> <td style="text-align: left"><span data-sort-value="India"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/4/41/Flag_of_India.svg/23px-Flag_of_India.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/4/41/Flag_of_India.svg/35px-Flag_of_India.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/4/41/Flag_of_India.svg/45px-Flag_of_India.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/India" title="India">India</a></span></td> <td>37% </td></tr> <tr> <td>6</td> <td style="text-align: left"><span data-sort-value="Spain"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/9/9a/Flag_of_Spain.svg/23px-Flag_of_Spain.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/9/9a/Flag_of_Spain.svg/35px-Flag_of_Spain.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/9/9a/Flag_of_Spain.svg/45px-Flag_of_Spain.svg.png 2x" data-file-width="750" data-file-height="500" /></span></span> </span><a href="/wiki/Spain" title="Spain">Spain</a></span></td> <td>34% </td></tr> <tr> <td>7</td> <td style="text-align: left"><span data-sort-value="United States"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/a/a4/Flag_of_the_United_States.svg/23px-Flag_of_the_United_States.svg.png" decoding="async" width="23" height="12" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/a/a4/Flag_of_the_United_States.svg/35px-Flag_of_the_United_States.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/a/a4/Flag_of_the_United_States.svg/46px-Flag_of_the_United_States.svg.png 2x" data-file-width="1235" data-file-height="650" /></span></span> </span><a href="/wiki/United_States" title="United States">United States</a></span></td> <td>32% </td></tr> <tr> <td>8</td> <td style="text-align: left"><span data-sort-value="Mexico"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/f/fc/Flag_of_Mexico.svg/23px-Flag_of_Mexico.svg.png" decoding="async" width="23" height="13" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/f/fc/Flag_of_Mexico.svg/35px-Flag_of_Mexico.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/f/fc/Flag_of_Mexico.svg/46px-Flag_of_Mexico.svg.png 2x" data-file-width="980" data-file-height="560" /></span></span> </span><a href="/wiki/Mexico" title="Mexico">Mexico</a></span></td> <td>30% </td></tr> <tr> <td>9</td> <td style="text-align: left"><span data-sort-value="Australia"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/8/88/Flag_of_Australia_%28converted%29.svg/23px-Flag_of_Australia_%28converted%29.svg.png" decoding="async" width="23" height="12" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/8/88/Flag_of_Australia_%28converted%29.svg/35px-Flag_of_Australia_%28converted%29.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/8/88/Flag_of_Australia_%28converted%29.svg/46px-Flag_of_Australia_%28converted%29.svg.png 2x" data-file-width="1280" data-file-height="640" /></span></span> </span><a href="/wiki/Australia" title="Australia">Australia</a></span></td> <td>27% </td></tr> <tr> <td>10</td> <td style="text-align: left"><span data-sort-value="France"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/c/c3/Flag_of_France.svg/23px-Flag_of_France.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/c/c3/Flag_of_France.svg/35px-Flag_of_France.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/c/c3/Flag_of_France.svg/45px-Flag_of_France.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/France" title="France">France</a></span></td> <td>26% </td></tr> <tr> <td>11</td> <td style="text-align: left"><span data-sort-value="United Kingdom"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/a/ae/Flag_of_the_United_Kingdom.svg/23px-Flag_of_the_United_Kingdom.svg.png" decoding="async" width="23" height="12" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/a/ae/Flag_of_the_United_Kingdom.svg/35px-Flag_of_the_United_Kingdom.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/a/ae/Flag_of_the_United_Kingdom.svg/46px-Flag_of_the_United_Kingdom.svg.png 2x" data-file-width="1200" data-file-height="600" /></span></span> </span><a href="/wiki/United_Kingdom" title="United Kingdom">United Kingdom</a></span></td> <td>26% </td></tr> <tr> <td>12</td> <td style="text-align: left"><span data-sort-value="Thailand"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/a/a9/Flag_of_Thailand.svg/23px-Flag_of_Thailand.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/a/a9/Flag_of_Thailand.svg/35px-Flag_of_Thailand.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/a/a9/Flag_of_Thailand.svg/45px-Flag_of_Thailand.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/Thailand" title="Thailand">Thailand</a></span></td> <td>24% </td></tr> <tr> <td>13</td> <td style="text-align: left"><span data-sort-value="Canada"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/d/d9/Flag_of_Canada_%28Pantone%29.svg/23px-Flag_of_Canada_%28Pantone%29.svg.png" decoding="async" width="23" height="12" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/d/d9/Flag_of_Canada_%28Pantone%29.svg/35px-Flag_of_Canada_%28Pantone%29.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/d/d9/Flag_of_Canada_%28Pantone%29.svg/46px-Flag_of_Canada_%28Pantone%29.svg.png 2x" data-file-width="1200" data-file-height="600" /></span></span> </span><a href="/wiki/Canada" title="Canada">Canada</a></span></td> <td>22% </td></tr> <tr> <td>14</td> <td style="text-align: left"><span data-sort-value="Germany"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/b/ba/Flag_of_Germany.svg/23px-Flag_of_Germany.svg.png" decoding="async" width="23" height="14" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/b/ba/Flag_of_Germany.svg/35px-Flag_of_Germany.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/b/ba/Flag_of_Germany.svg/46px-Flag_of_Germany.svg.png 2x" data-file-width="1000" data-file-height="600" /></span></span> </span><a href="/wiki/Germany" title="Germany">Germany</a></span></td> <td>14% </td></tr> <tr> <td>15</td> <td style="text-align: left"><span data-sort-value="Pakistan"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/3/32/Flag_of_Pakistan.svg/23px-Flag_of_Pakistan.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/3/32/Flag_of_Pakistan.svg/35px-Flag_of_Pakistan.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/3/32/Flag_of_Pakistan.svg/45px-Flag_of_Pakistan.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/Pakistan" title="Pakistan">Pakistan</a></span></td> <td>9% </td></tr> </tbody></table> <p>African nations such as Kenya would rank highly if SMS mobile banking were included in the above list. Kenya has 38% of the population as subscribers to M-Pesa as of 2011.<sup id="cite_ref-14" class="reference"><a href="#cite_note-14"><span class="cite-bracket">[</span>14<span class="cite-bracket">]</span></a></sup> Though as of 2016 mobile banking applications have seen a tremendous growth in Kenyan banking sector who have capitalised on android play store and apple store to put their applications. Kenyan banks like <a href="/wiki/Equity_Bank_Kenya_Limited" title="Equity Bank Kenya Limited">Equity Bank Kenya Limited</a> Eazzy banking application and <a href="/wiki/The_Co-operative_Bank" title="The Co-operative Bank">The Co-operative Bank</a> Mco-op cash application have proved to be a success mobile banking applications. </p><p>Mobile banking is used in many parts of the world with little or no infrastructure, especially remote and rural areas. This aspect of <a href="/wiki/Mobile_commerce" title="Mobile commerce">mobile commerce</a> is also popular in countries where most of their population is <a href="/wiki/Unbanked" title="Unbanked">unbanked</a>. In most of these places, banks can only be found in big cities, and customers have to travel hundreds of miles to the nearest bank. </p><p>In Iran, banks such as <a href="/wiki/Parsian_Bank" title="Parsian Bank">Parsian</a>, <a href="/wiki/Tejarat_Bank" title="Tejarat Bank">Tejarat</a>, <a href="/wiki/Bank_Pasargad" title="Bank Pasargad">Pasargad Bank</a>, <a href="/wiki/Mellat_Bank" class="mw-redirect" title="Mellat Bank">Mellat</a>, Saderat, <a href="/wiki/Sepah_Bank" class="mw-redirect" title="Sepah Bank">Sepah</a>, Edbi, and Bankmelli offer the service. Banco Industrial provides the service in Guatemala. Citizens of Mexico can access mobile banking with Omnilife, <a href="/wiki/Bancomer" class="mw-redirect" title="Bancomer">Bancomer</a> and MPower Venture. <a href="/wiki/Kenya" title="Kenya">Kenya</a>'s <a href="/wiki/Safaricom" title="Safaricom">Safaricom</a> (part of the <a href="/wiki/Vodafone_Group" class="mw-redirect" title="Vodafone Group">Vodafone Group</a>) has the <a href="/wiki/M-Pesa" title="M-Pesa">M-Pesa</a> Service, which is mainly used to transfer limited amounts of money, but increasingly used to pay utility bills as well. In 2009, <a href="/wiki/Zain_Group" title="Zain Group">Zain</a> launched their own mobile money transfer business, known as ZAP, in Kenya and other African countries. Several other players in Kenya such as Tangerine, <a href="/w/index.php?title=MobiKash&action=edit&redlink=1" class="new" title="MobiKash (page does not exist)">MobiKash</a> and <a href="/w/index.php?title=Funtrench_Limited&action=edit&redlink=1" class="new" title="Funtrench Limited (page does not exist)">Funtrench Limited</a> also have network-independent mobile money transfer. In <a href="/wiki/Somalia" title="Somalia">Somalia</a>, the many telecom companies provide mobile banking, the most prominent being <a href="/wiki/Hormuud_Telecom" title="Hormuud Telecom">Hormuud Telecom</a> and its <a href="/wiki/Hormuud_Telecom#ZAAD_service" title="Hormuud Telecom">ZAAD</a> service. </p><p><a href="/wiki/Telenor_Pakistan" title="Telenor Pakistan">Telenor Pakistan</a> has also launched a mobile banking solution<sup class="noprint Inline-Template" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Use_plain_English#Buzzwords" title="Wikipedia:Use plain English"><span title="The material near this tag may use buzzwords designed solely to impress you or obscure meaning. (August 2019)">buzzword</span></a></i>]</sup>, in coordination with Taameer Bank, under the label Easy Paisa, which was begun in Q4 2009. <a href="/wiki/Eko_India_Financial_Services" title="Eko India Financial Services">Eko India Financial Services</a>, the business correspondent of <a href="/wiki/State_Bank_of_India" title="State Bank of India">State Bank of India</a> (SBI) and <a href="/wiki/ICICI_Bank" title="ICICI Bank">ICICI Bank</a>, provides bank accounts, deposit, withdrawal and remittance services, <a href="/wiki/Micro-insurance" class="mw-redirect" title="Micro-insurance">micro-insurance</a>, and <a href="/wiki/Micro-finance" class="mw-redirect" title="Micro-finance">micro-finance</a> facilities to its customers (nearly 80% of whom are migrants or the unbanked section of the population) through mobile banking.<sup id="cite_ref-ny_15-0" class="reference"><a href="#cite_note-ny-15"><span class="cite-bracket">[</span>15<span class="cite-bracket">]</span></a></sup> </p><p>In a year of 2010, mobile banking users soared over 100 percent in <a href="/wiki/Kenya" title="Kenya">Kenya</a>, China, <a href="/wiki/Brazil" title="Brazil">Brazil</a> and United States with 200 percent, 150 percent, 110 percent and 100 percent respectively.<sup id="cite_ref-16" class="reference"><a href="#cite_note-16"><span class="cite-bracket">[</span>16<span class="cite-bracket">]</span></a></sup> </p><p><a href="/wiki/Dutch_Bangla_Bank" class="mw-redirect" title="Dutch Bangla Bank">Dutch Bangla Bank</a> launched the first mobile banking service in <a href="/wiki/Bangladesh" title="Bangladesh">Bangladesh</a> on 31 March 2011. This service is launched with 'Agent' and 'Network' support from mobile operators, <a href="/wiki/Banglalink" title="Banglalink">Banglalink</a> and <a href="/wiki/Citycell" title="Citycell">Citycell</a>. <a href="/wiki/Sybase#Products" title="Sybase">Sybase 365</a>, a subsidiary of <a href="/wiki/Sybase" title="Sybase">Sybase, Inc</a>. has provided software solution<sup class="noprint Inline-Template" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Use_plain_English#Buzzwords" title="Wikipedia:Use plain English"><span title="The material near this tag may use buzzwords designed solely to impress you or obscure meaning. (August 2019)">buzzword</span></a></i>]</sup> with their local partner Neurosoft Technologies Ltd. There are around 160 million people in Bangladesh, of which, only 13 per cent have bank accounts. With this solution<sup class="noprint Inline-Template" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Use_plain_English#Buzzwords" title="Wikipedia:Use plain English"><span title="The material near this tag may use buzzwords designed solely to impress you or obscure meaning. (August 2019)">buzzword</span></a></i>]</sup>, Dutch-Bangla Bank can now reach out to the rural and unbanked population, of which, 45 per cent are mobile phone users. Under the service, any mobile handset with subscription to any of the six existing mobile operators of Bangladesh would be able to utilize the service. Under the mobile banking services, bank-nominated <a href="/wiki/Banking_agent" title="Banking agent">Banking agent</a> performs banking activities on its behalf, like opening mobile banking accounts, providing cash services (receipts and payments) and dealing with small credits. Cash withdrawal from a mobile account can also be done from an ATM validating each transaction by 'mobile phone & PIN' instead of 'card & PIN'. Other services that are being delivered through mobile banking system are person-to-person (e.g. fund transfer), person-to-business (e.g. merchant payment, utility bill payment), business-to-person (e.g. salary/commission disbursement), government-to-person (disbursement of government allowance) transactions. One of the most recent mobile technological wonders (Shaikh and Karjaluoto, 2015) and one of the most recent financial services sector innovations which has added a pure mobility element to service consumption (Mishra and Bisht, 2013; Oliveira et al., 2014) that in return enabled customers to have a convenient access to different value-added banking services is mobile banking (MB) or m-banking (Anderson, 2010). M-banking <sup id="cite_ref-17" class="reference"><a href="#cite_note-17"><span class="cite-bracket">[</span>17<span class="cite-bracket">]</span></a></sup> is defined as “a feed where the consumer communicates with a bank using a mobile device, such as a mobile phone or personal digital assistant. In that sense, it can be seen as a subset of electronic banking and an extension of internet banking with its own unique characteristics (Laukkanen & Pasanen, 2008). It is one of the newest approaches to the concern of financial services through information computer technology (ICT), made possible by the extensive adoption of mobile phones even in low income countries (Anderson, 2010). In May 2012, <a href="/wiki/Laxmi_Bank_Limited" class="mw-redirect" title="Laxmi Bank Limited">Laxmi Bank Limited</a> launched the very first mobile banking in <a href="/wiki/Nepal" title="Nepal">Nepal</a> with its product <a href="/w/index.php?title=Mobile_Khata&action=edit&redlink=1" class="new" title="Mobile Khata (page does not exist)">Mobile Khata</a>. Mobile Khata currently runs on a third-party platform called <a href="/w/index.php?title=Hello_Paisa&action=edit&redlink=1" class="new" title="Hello Paisa (page does not exist)">Hello Paisa</a> that is interoperable with all the telecoms in Nepal viz. <a href="/wiki/Nepal_Telecom" title="Nepal Telecom">Nepal Telecom</a>, <a href="/w/index.php?title=NCell&action=edit&redlink=1" class="new" title="NCell (page does not exist)">NCell</a>, <a href="/w/index.php?title=Smart_Tel&action=edit&redlink=1" class="new" title="Smart Tel (page does not exist)">Smart Tel</a> and UTL, and is also interoperable with various banks in the country. The initial joining members to the platform after <a href="/wiki/Laxmi_Bank_Limited" class="mw-redirect" title="Laxmi Bank Limited">Laxmi Bank Limited</a> were Siddartha Bank, Bank of Kathmandu, Commerz and Trust Bank Nepal and International Leasing and Finance Company. In country with roughly 30 million population, over 5 million have subscribed to mobile banking in Nepal<sup id="cite_ref-18" class="reference"><a href="#cite_note-18"><span class="cite-bracket">[</span>18<span class="cite-bracket">]</span></a></sup> as per the recent data from <a href="/wiki/Nepal_Rastra_Bank" title="Nepal Rastra Bank">Nepal Rastra Bank</a>,<sup id="cite_ref-19" class="reference"><a href="#cite_note-19"><span class="cite-bracket">[</span>19<span class="cite-bracket">]</span></a></sup> the central bank of Nepal. </p><p><a href="/wiki/Barclays" title="Barclays">Barclays</a> offers a service called <a href="/wiki/Barclays_Pingit" class="mw-redirect" title="Barclays Pingit">Barclays Pingit</a>, and <a href="/w/index.php?title=Hello_Money&action=edit&redlink=1" class="new" title="Hello Money (page does not exist)">Hello Money</a> offering services in Africa, allowing transfer of money from the United Kingdom to many parts of the world with a mobile phone. <a href="/wiki/Pingit" title="Pingit">Pingit</a> is owned by a consortium of banks. In April 2014, the UK <a href="/wiki/Payments_Council" title="Payments Council">Payments Council</a> launched the <a href="/wiki/Paym" title="Paym">Paym</a> mobile payment system, allowing mobile payments between customers of several banks and building societies using the recipient's mobile phone number.<sup id="cite_ref-20" class="reference"><a href="#cite_note-20"><span class="cite-bracket">[</span>20<span class="cite-bracket">]</span></a></sup> in past some US research proved that in the United States, people focusing in on adaptable banking (m-banking), this work contemplates responses from three undeniable buyer parcels, including – 1) customers living in Egypt, 2) purchasers from Egypt who are living in the U.S. in addition, 3) U.S. customers. The conceptual model was developed by the technology acceptance model (TAM), task-technology fit model (TTF), theory of planned behavior model (TPB), the diffusion of innovation model (DOI). </p><p>In November 2017, the <a href="/wiki/State_Bank_of_India" title="State Bank of India">State Bank of India</a> launched an integrated banking platform in India called <a href="/wiki/YONO" title="YONO">YONO</a> offering conventional banking functions but also payment services for things such as online shopping, travel planning, taxi booking or online education.<sup id="cite_ref-news_HinduBusinessLine_20171123_a_21-0" class="reference"><a href="#cite_note-news_HinduBusinessLine_20171123_a-21"><span class="cite-bracket">[</span>21<span class="cite-bracket">]</span></a></sup> </p><p>In January 2019, the German <a href="/wiki/Direct_bank" title="Direct bank">direct bank</a> <a href="/wiki/N26_(bank)" class="mw-redirect" title="N26 (bank)">N26</a> overtook <a href="/wiki/Revolut" title="Revolut">Revolut</a> as the most valuable mobile bank in Europe with a valuation of $2.7 billion and 1.5 million users.<sup id="cite_ref-22" class="reference"><a href="#cite_note-22"><span class="cite-bracket">[</span>22<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-23" class="reference"><a href="#cite_note-23"><span class="cite-bracket">[</span>23<span class="cite-bracket">]</span></a></sup> </p><p>Following is a list showing the share of people using mobile banking apps during the last three months in selected countries worldwide in 2014. The list is based on a survey conducted by <a href="/wiki/Statista.com" class="mw-redirect" title="Statista.com">statista.com</a> including 82,914 respondents.<sup id="cite_ref-24" class="reference"><a href="#cite_note-24"><span class="cite-bracket">[</span>24<span class="cite-bracket">]</span></a></sup> </p> <table class="wikitable sortable" style="font-size: 100%; text-align: center; width: 15%;"> <tbody><tr> <th>Rank</th> <th>Country/Territory</th> <th>Usage in 2014 </th></tr> <tr> <td>1</td> <td style="text-align: left"><span data-sort-value="Indonesia"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/9/9f/Flag_of_Indonesia.svg/23px-Flag_of_Indonesia.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/9/9f/Flag_of_Indonesia.svg/35px-Flag_of_Indonesia.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/9/9f/Flag_of_Indonesia.svg/45px-Flag_of_Indonesia.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/Indonesia" title="Indonesia">Indonesia</a></span></td> <td>77% </td></tr> <tr> <td>2</td> <td style="text-align: left"><span data-sort-value="China"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/f/fa/Flag_of_the_People%27s_Republic_of_China.svg/23px-Flag_of_the_People%27s_Republic_of_China.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/f/fa/Flag_of_the_People%27s_Republic_of_China.svg/35px-Flag_of_the_People%27s_Republic_of_China.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/f/fa/Flag_of_the_People%27s_Republic_of_China.svg/45px-Flag_of_the_People%27s_Republic_of_China.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/China" title="China">China</a></span></td> <td>73% </td></tr> <tr> <td>3</td> <td style="text-align: left"><span data-sort-value="Thailand"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/a/a9/Flag_of_Thailand.svg/23px-Flag_of_Thailand.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/a/a9/Flag_of_Thailand.svg/35px-Flag_of_Thailand.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/a/a9/Flag_of_Thailand.svg/45px-Flag_of_Thailand.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/Thailand" title="Thailand">Thailand</a></span></td> <td>64% </td></tr> <tr> <td>4</td> <td style="text-align: left"><span data-sort-value="India"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/4/41/Flag_of_India.svg/23px-Flag_of_India.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/4/41/Flag_of_India.svg/35px-Flag_of_India.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/4/41/Flag_of_India.svg/45px-Flag_of_India.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/India" title="India">India</a></span></td> <td>59% </td></tr> <tr> <td>5</td> <td style="text-align: left"><span data-sort-value="Singapore"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/4/48/Flag_of_Singapore.svg/23px-Flag_of_Singapore.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/4/48/Flag_of_Singapore.svg/35px-Flag_of_Singapore.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/4/48/Flag_of_Singapore.svg/45px-Flag_of_Singapore.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/Singapore" title="Singapore">Singapore</a></span></td> <td>58% </td></tr> <tr> <td>6</td> <td style="text-align: left"><span data-sort-value="Poland"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/1/12/Flag_of_Poland.svg/23px-Flag_of_Poland.svg.png" decoding="async" width="23" height="14" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/1/12/Flag_of_Poland.svg/35px-Flag_of_Poland.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/1/12/Flag_of_Poland.svg/46px-Flag_of_Poland.svg.png 2x" data-file-width="1280" data-file-height="800" /></span></span> </span><a href="/wiki/Poland" title="Poland">Poland</a></span></td> <td>58% </td></tr> <tr> <td>7</td> <td style="text-align: left"><span data-sort-value="Malaysia"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/6/66/Flag_of_Malaysia.svg/23px-Flag_of_Malaysia.svg.png" decoding="async" width="23" height="12" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/6/66/Flag_of_Malaysia.svg/35px-Flag_of_Malaysia.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/6/66/Flag_of_Malaysia.svg/46px-Flag_of_Malaysia.svg.png 2x" data-file-width="1200" data-file-height="600" /></span></span> </span><a href="/wiki/Malaysia" title="Malaysia">Malaysia</a></span></td> <td>54% </td></tr> <tr> <td>8</td> <td style="text-align: left"><span data-sort-value="Hong Kong"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/5/5b/Flag_of_Hong_Kong.svg/23px-Flag_of_Hong_Kong.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/5/5b/Flag_of_Hong_Kong.svg/35px-Flag_of_Hong_Kong.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/5/5b/Flag_of_Hong_Kong.svg/45px-Flag_of_Hong_Kong.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/Hong_Kong" title="Hong Kong">Hong Kong</a></span></td> <td>49% </td></tr> <tr> <td>9</td> <td style="text-align: left"><span data-sort-value="Australia"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/8/88/Flag_of_Australia_%28converted%29.svg/23px-Flag_of_Australia_%28converted%29.svg.png" decoding="async" width="23" height="12" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/8/88/Flag_of_Australia_%28converted%29.svg/35px-Flag_of_Australia_%28converted%29.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/8/88/Flag_of_Australia_%28converted%29.svg/46px-Flag_of_Australia_%28converted%29.svg.png 2x" data-file-width="1280" data-file-height="640" /></span></span> </span><a href="/wiki/Australia" title="Australia">Australia</a></span></td> <td>47% </td></tr> <tr> <td>10</td> <td style="text-align: left"><span data-sort-value="Mexico"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/f/fc/Flag_of_Mexico.svg/23px-Flag_of_Mexico.svg.png" decoding="async" width="23" height="13" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/f/fc/Flag_of_Mexico.svg/35px-Flag_of_Mexico.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/f/fc/Flag_of_Mexico.svg/46px-Flag_of_Mexico.svg.png 2x" data-file-width="980" data-file-height="560" /></span></span> </span><a href="/wiki/Mexico" title="Mexico">Mexico</a></span></td> <td>45% </td></tr> <tr> <td>11</td> <td style="text-align: left"><span data-sort-value="Spain"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/9/9a/Flag_of_Spain.svg/23px-Flag_of_Spain.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/9/9a/Flag_of_Spain.svg/35px-Flag_of_Spain.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/9/9a/Flag_of_Spain.svg/45px-Flag_of_Spain.svg.png 2x" data-file-width="750" data-file-height="500" /></span></span> </span><a href="/wiki/Spain" title="Spain">Spain</a></span></td> <td>44% </td></tr> <tr> <td>12</td> <td style="text-align: left"><span data-sort-value="United States"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/a/a4/Flag_of_the_United_States.svg/23px-Flag_of_the_United_States.svg.png" decoding="async" width="23" height="12" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/a/a4/Flag_of_the_United_States.svg/35px-Flag_of_the_United_States.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/a/a4/Flag_of_the_United_States.svg/46px-Flag_of_the_United_States.svg.png 2x" data-file-width="1235" data-file-height="650" /></span></span> </span><a href="/wiki/United_States" title="United States">United States</a></span></td> <td>43% </td></tr> <tr> <td>13</td> <td style="text-align: left"><span data-sort-value="Italy"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/0/03/Flag_of_Italy.svg/23px-Flag_of_Italy.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/0/03/Flag_of_Italy.svg/35px-Flag_of_Italy.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/0/03/Flag_of_Italy.svg/45px-Flag_of_Italy.svg.png 2x" data-file-width="1500" data-file-height="1000" /></span></span> </span><a href="/wiki/Italy" title="Italy">Italy</a></span></td> <td>42% </td></tr> <tr> <td>14</td> <td style="text-align: left"><span data-sort-value="United Kingdom"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/a/ae/Flag_of_the_United_Kingdom.svg/23px-Flag_of_the_United_Kingdom.svg.png" decoding="async" width="23" height="12" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/a/ae/Flag_of_the_United_Kingdom.svg/35px-Flag_of_the_United_Kingdom.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/a/ae/Flag_of_the_United_Kingdom.svg/46px-Flag_of_the_United_Kingdom.svg.png 2x" data-file-width="1200" data-file-height="600" /></span></span> </span><a href="/wiki/United_Kingdom" title="United Kingdom">United Kingdom</a></span></td> <td>41% </td></tr> <tr> <td>15</td> <td style="text-align: left"><span data-sort-value="Brazil"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/0/05/Flag_of_Brazil.svg/22px-Flag_of_Brazil.svg.png" decoding="async" width="22" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/0/05/Flag_of_Brazil.svg/33px-Flag_of_Brazil.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/0/05/Flag_of_Brazil.svg/43px-Flag_of_Brazil.svg.png 2x" data-file-width="1000" data-file-height="700" /></span></span> </span><a href="/wiki/Brazil" title="Brazil">Brazil</a></span></td> <td>39% </td></tr> <tr> <td>16</td> <td style="text-align: left"><span data-sort-value="Canada"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/d/d9/Flag_of_Canada_%28Pantone%29.svg/23px-Flag_of_Canada_%28Pantone%29.svg.png" decoding="async" width="23" height="12" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/d/d9/Flag_of_Canada_%28Pantone%29.svg/35px-Flag_of_Canada_%28Pantone%29.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/d/d9/Flag_of_Canada_%28Pantone%29.svg/46px-Flag_of_Canada_%28Pantone%29.svg.png 2x" data-file-width="1200" data-file-height="600" /></span></span> </span><a href="/wiki/Canada" title="Canada">Canada</a></span></td> <td>34% </td></tr> <tr> <td>17</td> <td style="text-align: left"><span data-sort-value="Portugal"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/5/5c/Flag_of_Portugal.svg/23px-Flag_of_Portugal.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/5/5c/Flag_of_Portugal.svg/35px-Flag_of_Portugal.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/5/5c/Flag_of_Portugal.svg/45px-Flag_of_Portugal.svg.png 2x" data-file-width="600" data-file-height="400" /></span></span> </span><a href="/wiki/Portugal" title="Portugal">Portugal</a></span></td> <td>31% </td></tr> <tr> <td>18</td> <td style="text-align: left"><span data-sort-value="France"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/c/c3/Flag_of_France.svg/23px-Flag_of_France.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/c/c3/Flag_of_France.svg/35px-Flag_of_France.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/c/c3/Flag_of_France.svg/45px-Flag_of_France.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/France" title="France">France</a></span></td> <td>30% </td></tr> <tr> <td>19</td> <td style="text-align: left"><span data-sort-value="Belgium"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/9/92/Flag_of_Belgium_%28civil%29.svg/23px-Flag_of_Belgium_%28civil%29.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/9/92/Flag_of_Belgium_%28civil%29.svg/35px-Flag_of_Belgium_%28civil%29.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/9/92/Flag_of_Belgium_%28civil%29.svg/45px-Flag_of_Belgium_%28civil%29.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/Belgium" title="Belgium">Belgium</a></span></td> <td>27% </td></tr> <tr> <td>20</td> <td style="text-align: left"><span data-sort-value="Germany"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/b/ba/Flag_of_Germany.svg/23px-Flag_of_Germany.svg.png" decoding="async" width="23" height="14" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/b/ba/Flag_of_Germany.svg/35px-Flag_of_Germany.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/b/ba/Flag_of_Germany.svg/46px-Flag_of_Germany.svg.png 2x" data-file-width="1000" data-file-height="600" /></span></span> </span><a href="/wiki/Germany" title="Germany">Germany</a></span></td> <td>21% </td></tr> <tr> <td>21</td> <td style="text-align: left"><span data-sort-value="Japan"><span class="flagicon"><span class="mw-image-border" typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/9/9e/Flag_of_Japan.svg/23px-Flag_of_Japan.svg.png" decoding="async" width="23" height="15" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/9/9e/Flag_of_Japan.svg/35px-Flag_of_Japan.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/9/9e/Flag_of_Japan.svg/45px-Flag_of_Japan.svg.png 2x" data-file-width="900" data-file-height="600" /></span></span> </span><a href="/wiki/Japan" title="Japan">Japan</a></span></td> <td>19% </td></tr> </tbody></table> <div class="mw-heading mw-heading2"><h2 id="See_also">See also</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=16" title="Edit section: See also"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239009302">.mw-parser-output .portalbox{padding:0;margin:0.5em 0;display:table;box-sizing:border-box;max-width:175px;list-style:none}.mw-parser-output .portalborder{border:1px solid var(--border-color-base,#a2a9b1);padding:0.1em;background:var(--background-color-neutral-subtle,#f8f9fa)}.mw-parser-output .portalbox-entry{display:table-row;font-size:85%;line-height:110%;height:1.9em;font-style:italic;font-weight:bold}.mw-parser-output .portalbox-image{display:table-cell;padding:0.2em;vertical-align:middle;text-align:center}.mw-parser-output .portalbox-link{display:table-cell;padding:0.2em 0.2em 0.2em 0.3em;vertical-align:middle}@media(min-width:720px){.mw-parser-output .portalleft{clear:left;float:left;margin:0.5em 1em 0.5em 0}.mw-parser-output .portalright{clear:right;float:right;margin:0.5em 0 0.5em 1em}}</style><ul role="navigation" aria-label="Portals" class="noprint portalbox portalborder portalright"> <li class="portalbox-entry"><span class="portalbox-image"><span class="noviewer" typeof="mw:File"><span><img alt="icon" src="//upload.wikimedia.org/wikipedia/commons/thumb/9/9d/All-currency-symbol.svg/28px-All-currency-symbol.svg.png" decoding="async" width="28" height="28" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/9/9d/All-currency-symbol.svg/42px-All-currency-symbol.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/9/9d/All-currency-symbol.svg/56px-All-currency-symbol.svg.png 2x" data-file-width="54" data-file-height="54" /></span></span></span><span class="portalbox-link"><a href="/wiki/Portal:Banks" title="Portal:Banks">Banks portal</a></span></li></ul> <ul><li><a href="/wiki/Contactless_payment" title="Contactless payment">Contactless payment</a></li> <li><a href="/wiki/Direct_bank" title="Direct bank">Direct bank</a></li> <li><a href="/wiki/Digital_currency" title="Digital currency">Digital currency</a></li> <li><a href="/wiki/List_of_countries_by_mobile_banking_usage" title="List of countries by mobile banking usage">List of countries by mobile banking usage</a></li> <li><a href="/wiki/Mobile_content" title="Mobile content">Mobile content</a></li> <li><a href="/wiki/Mobile_Marketing" class="mw-redirect" title="Mobile Marketing">Mobile Marketing</a></li> <li><a href="/wiki/Mobile_payments" class="mw-redirect" title="Mobile payments">Mobile payments</a></li> <li><a href="/wiki/Online_banking" title="Online banking">Online banking</a></li> <li><a href="/wiki/Digital_wallet" title="Digital wallet">Digital Wallet</a></li> <li><a href="/wiki/SMS_Banking" class="mw-redirect" title="SMS Banking">SMS Banking</a></li> <li><a href="/wiki/Telephone_banking" title="Telephone banking">Telephone banking</a></li></ul> <div class="mw-heading mw-heading2"><h2 id="External_links">External links</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=17" title="Edit section: External links"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><span class="noviewer" typeof="mw:File"><a href="/wiki/File:Commons-logo.svg" class="mw-file-description"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/4/4a/Commons-logo.svg/12px-Commons-logo.svg.png" decoding="async" width="12" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/4/4a/Commons-logo.svg/18px-Commons-logo.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/4/4a/Commons-logo.svg/24px-Commons-logo.svg.png 2x" data-file-width="1024" data-file-height="1376" /></a></span> Media related to <a href="https://commons.wikimedia.org/wiki/Category:Mobile_banking" class="extiw" title="commons:Category:Mobile banking">Mobile banking</a> at Wikimedia Commons</li></ul> <div class="mw-heading mw-heading2"><h2 id="Notes">Notes</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Mobile_banking&action=edit&section=18" title="Edit section: Notes"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239543626">.mw-parser-output .reflist{margin-bottom:0.5em;list-style-type:decimal}@media screen{.mw-parser-output .reflist{font-size:90%}}.mw-parser-output .reflist .references{font-size:100%;margin-bottom:0;list-style-type:inherit}.mw-parser-output .reflist-columns-2{column-width:30em}.mw-parser-output .reflist-columns-3{column-width:25em}.mw-parser-output .reflist-columns{margin-top:0.3em}.mw-parser-output .reflist-columns ol{margin-top:0}.mw-parser-output .reflist-columns li{page-break-inside:avoid;break-inside:avoid-column}.mw-parser-output .reflist-upper-alpha{list-style-type:upper-alpha}.mw-parser-output .reflist-upper-roman{list-style-type:upper-roman}.mw-parser-output .reflist-lower-alpha{list-style-type:lower-alpha}.mw-parser-output .reflist-lower-greek{list-style-type:lower-greek}.mw-parser-output .reflist-lower-roman{list-style-type:lower-roman}</style><div class="reflist"> <div class="mw-references-wrap mw-references-columns"><ol class="references"> <li id="cite_note-1"><span class="mw-cite-backlink"><b><a href="#cite_ref-1">^</a></b></span> <span class="reference-text"><style data-mw-deduplicate="TemplateStyles:r1238218222">.mw-parser-output cite.citation{font-style:inherit;word-wrap:break-word}.mw-parser-output .citation q{quotes:"\"""\"""'""'"}.mw-parser-output .citation:target{background-color:rgba(0,127,255,0.133)}.mw-parser-output .id-lock-free.id-lock-free a{background:url("//upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-limited.id-lock-limited a,.mw-parser-output .id-lock-registration.id-lock-registration a{background:url("//upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-subscription.id-lock-subscription a{background:url("//upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .cs1-ws-icon a{background:url("//upload.wikimedia.org/wikipedia/commons/4/4c/Wikisource-logo.svg")right 0.1em center/12px no-repeat}body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-free a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-limited a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-registration a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-subscription a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .cs1-ws-icon a{background-size:contain;padding:0 1em 0 0}.mw-parser-output .cs1-code{color:inherit;background:inherit;border:none;padding:inherit}.mw-parser-output .cs1-hidden-error{display:none;color:var(--color-error,#d33)}.mw-parser-output .cs1-visible-error{color:var(--color-error,#d33)}.mw-parser-output .cs1-maint{display:none;color:#085;margin-left:0.3em}.mw-parser-output .cs1-kern-left{padding-left:0.2em}.mw-parser-output .cs1-kern-right{padding-right:0.2em}.mw-parser-output .citation .mw-selflink{font-weight:inherit}@media screen{.mw-parser-output .cs1-format{font-size:95%}html.skin-theme-clientpref-night .mw-parser-output .cs1-maint{color:#18911f}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .cs1-maint{color:#18911f}}</style><cite id="CITEREFBBVA" class="citation book cs1">BBVA. <a rel="nofollow" class="external text" href="https://books.google.com/books?id=pB_6qEL5ppkC&pg=PA22"><i>Mobile Banking</i></a>. Centro de Innovación BBVA. p. 22.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=book&rft.btitle=Mobile+Banking&rft.pages=22&rft.pub=Centro+de+Innovaci%C3%B3n+BBVA&rft.au=BBVA&rft_id=https%3A%2F%2Fbooks.google.com%2Fbooks%3Fid%3DpB_6qEL5ppkC%26pg%3DPA22&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+banking" class="Z3988"></span></span> </li> <li id="cite_note-2"><span class="mw-cite-backlink"><b><a href="#cite_ref-2">^</a></b></span> <span class="reference-text"><a rel="nofollow" class="external text" href="http://www.kpmg.com/GE/en/Insightmagazine/Documents/Monetizing_mobile_report_ENG.pdf/">KPMG "Monetizing Mobile" July 2011</a></span> </li> <li id="cite_note-3"><span class="mw-cite-backlink"><b><a href="#cite_ref-3">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20110504023854/http://www.itavisen.no/237581/verdens-forste-wap-bank-fra-norge">"The World's first WAP Bank is Norwegian"</a>. itavisen.no. 24 September 1999. Archived from <a rel="nofollow" class="external text" href="http://www.itavisen.no/237581/verdens-forste-wap-bank-fra-norge">the original</a> on 4 May 2011<span class="reference-accessdate">. Retrieved <span class="nowrap">18 October</span> 2010</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=The+World%27s+first+WAP+Bank+is+Norwegian&rft.pub=itavisen.no&rft.date=1999-09-24&rft_id=http%3A%2F%2Fwww.itavisen.no%2F237581%2Fverdens-forste-wap-bank-fra-norge&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+banking" class="Z3988"></span></span> </li> <li id="cite_note-4"><span class="mw-cite-backlink"><b><a href="#cite_ref-4">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFDasDeepPantBansal2014" class="citation book cs1">Das, Kedar; Deep, Kusum; Pant, Millie; Bansal, Jagdish; Nagar, Atulya (2014). <i>Proceedings of Fourth International Conference on Soft Computing for Problem Solving: SocProS 2014, Volume 2</i>. Heidelberg: Springer. p. 377. <a href="/wiki/ISBN_(identifier)" class="mw-redirect" title="ISBN (identifier)">ISBN</a> <a href="/wiki/Special:BookSources/9788132222194" title="Special:BookSources/9788132222194"><bdi>9788132222194</bdi></a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=book&rft.btitle=Proceedings+of+Fourth+International+Conference+on+Soft+Computing+for+Problem+Solving%3A+SocProS+2014%2C+Volume+2&rft.place=Heidelberg&rft.pages=377&rft.pub=Springer&rft.date=2014&rft.isbn=9788132222194&rft.aulast=Das&rft.aufirst=Kedar&rft.au=Deep%2C+Kusum&rft.au=Pant%2C+Millie&rft.au=Bansal%2C+Jagdish&rft.au=Nagar%2C+Atulya&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+banking" class="Z3988"></span></span> </li> <li id="cite_note-5"><span class="mw-cite-backlink"><b><a href="#cite_ref-5">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://archive.today/20130128181645/http://www.maparesearch.com/news/article/how-the-banks-handle-mobile-detection">"A third of banks have mobile detection"</a>. Mapa Research. 16 May 2012. Archived from <a rel="nofollow" class="external text" href="http://www.maparesearch.com/news/article/how-the-banks-handle-mobile-detection">the original</a> on 28 January 2013<span class="reference-accessdate">. Retrieved <span class="nowrap">16 May</span> 2012</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=A+third+of+banks+have+mobile+detection&rft.pub=Mapa+Research&rft.date=2012-05-16&rft_id=http%3A%2F%2Fwww.maparesearch.com%2Fnews%2Farticle%2Fhow-the-banks-handle-mobile-detection&rfr_id=info%3Asid%2Fen.wikipedia.org%3AMobile+banking" class="Z3988"></span></span> </li> <li id="cite_note-6"><span class="mw-cite-backlink"><b><a href="#cite_ref-6">^</a></b></span> <span class="reference-text">Tiwari 73-74</span> </li> <li id="cite_note-7"><span class="mw-cite-backlink"><b><a href="#cite_ref-7">^</a></b></span> <span class="reference-text"><a rel="nofollow" class="external text" href="https://www.federalreserve.gov/econresdata/mobile-device-report-201203.pdf">Federal Reserve Board, "Consumers and Mobile Financial Services," March 2012</a></span> </li> <li id="cite_note-8"><span class="mw-cite-backlink"><b><a href="#cite_ref-8">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20101127044330/http://mmaglobal.com/mbankingoverview.pdf">"Archived copy"</a> <span class="cs1-format">(PDF)</span>. Archived from <a rel="nofollow" class="external text" href="http://www.mmaglobal.com/mbankingoverview.pdf">the original</a> <span class="cs1-format">(PDF)</span> on 27 November 2010<span class="reference-accessdate">. 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Functional Utilization of Mobile Banking in Developed Markets in Next 3–4 Years"</a></li> <li>Tiwari, Rajnish and Buse, Stephan(2007): <a rel="nofollow" class="external text" href="http://hup.sub.uni-hamburg.de/purl/HamburgUP_Tiwari_Commerce"><i>The Mobile Commerce Prospects: A Strategic Analysis of Opportunities in the Banking Sector</i></a>, Hamburg University Press (E-Book as PDF to be downloaded)</li> <li>Tiwari, Rajnish; Buse, Stephan and Herstatt, Cornelius (2007): <a rel="nofollow" class="external text" href="http://www.tu-harburg.de/tim/downloads/arbeitspapiere/Working_Paper_48.pdf"><i>Mobile Services in Banking Sector: The Role of Innovative Business Solutions in Generating Competitive Advantage</i></a>, in: Proceedings of the International Research Conference on Quality, Innovation and Knowledge Management, New Delhi, pp. 886–894.</li> <li>Tiwari, Rajnish; Buse, Stephan and Herstatt, Cornelius (2006): <i>Customer on the Move: Strategic Implications of Mobile Banking for Banks and Financial Enterprises</i>, in: CEC/EEE 2006, Proceedings of the 8th IEEE International Conference on E-Commerce Technology and The 3rd IEEE International Conference on Enterprise Computing, E-Commerce, and E-Services (CEC/EEE'06), San Francisco, pp. 522–529.</li> <li>Tiwari, Rajnish; Buse, Stephan and Herstatt, Cornelius (2006): <i>Mobile Banking as Business Strategy: Impact of Mobile Technologies on Customer Behaviour and its Implications for Banks</i>, in: Technology Management for the Global Future – Proceedings of PICMET '06.</li> <li>Owens, John and Anna Bantug-Herrera (2006): <a rel="nofollow" class="external text" href="https://web.archive.org/web/20070412082932/http://www.chemonics.com/projects/content/GCash.pdf">Catching the Technology Wave: Mobile Phone Banking and Text-A-Payment in the Philippines</a></li> <li>Ovum Analyst Research, European Retail Banking Investment Strategies (2013): <a rel="nofollow" class="external autonumber" href="https://web.archive.org/web/20170630054143/https://www.ovum.com/research/business-trends-european-retail-banking-technology-investment-strategies-2/">[2]</a></li> <li>The Himalayan Times: <a rel="nofollow" class="external free" href="http://www.thehimalayantimes.com/fullNews.php?headline=Dollar+at+historic+high&NewsID=381744">http://www.thehimalayantimes.com/fullNews.php?headline=Dollar+at+historic+high&NewsID=381744</a> <a rel="nofollow" class="external text" href="https://web.archive.org/web/20170701172637/http://www.thehimalayantimes.com/fullNews.php?headline=Dollar+at+historic+high&NewsID=381744">Archived</a> 1 July 2017 at the <a href="/wiki/Wayback_Machine" title="Wayback Machine">Wayback Machine</a></li></ul> <div class="navbox-styles"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><style data-mw-deduplicate="TemplateStyles:r1236075235">.mw-parser-output .navbox{box-sizing:border-box;border:1px solid #a2a9b1;width:100%;clear:both;font-size:88%;text-align:center;padding:1px;margin:1em auto 0}.mw-parser-output .navbox .navbox{margin-top:0}.mw-parser-output .navbox+.navbox,.mw-parser-output .navbox+.navbox-styles+.navbox{margin-top:-1px}.mw-parser-output .navbox-inner,.mw-parser-output .navbox-subgroup{width:100%}.mw-parser-output .navbox-group,.mw-parser-output .navbox-title,.mw-parser-output .navbox-abovebelow{padding:0.25em 1em;line-height:1.5em;text-align:center}.mw-parser-output .navbox-group{white-space:nowrap;text-align:right}.mw-parser-output .navbox,.mw-parser-output .navbox-subgroup{background-color:#fdfdfd}.mw-parser-output .navbox-list{line-height:1.5em;border-color:#fdfdfd}.mw-parser-output .navbox-list-with-group{text-align:left;border-left-width:2px;border-left-style:solid}.mw-parser-output tr+tr>.navbox-abovebelow,.mw-parser-output tr+tr>.navbox-group,.mw-parser-output tr+tr>.navbox-image,.mw-parser-output tr+tr>.navbox-list{border-top:2px solid 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.navbox{display:none!important}}</style></div><div role="navigation" class="navbox" aria-labelledby="Mobile_phones" style="padding:3px"><table class="nowraplinks hlist mw-collapsible autocollapse navbox-inner" style="border-spacing:0;background:transparent;color:inherit"><tbody><tr><th scope="col" class="navbox-title" colspan="2"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1239400231"><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:Mobile_phones" title="Template:Mobile phones"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Mobile_phones" title="Template talk:Mobile phones"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Mobile_phones" title="Special:EditPage/Template:Mobile phones"><abbr title="Edit this template">e</abbr></a></li></ul></div><div id="Mobile_phones" style="font-size:114%;margin:0 4em"><a href="/wiki/Mobile_phone" title="Mobile phone">Mobile phones</a></div></th></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Cellular_network" title="Cellular network">Mobile<br />networks</a>,<br />protocols</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><td colspan="2" class="navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Channel_capacity" title="Channel capacity">Channel capacity</a></li> <li><a href="/wiki/Cellular_frequencies" title="Cellular frequencies">Frequencies</a></li> <li><a href="/wiki/Multi-band_device" title="Multi-band device">Multi-band</a></li> <li><a href="/wiki/Mobile_phone_operator" title="Mobile phone operator">Network operator</a> <ul><li><a href="/wiki/List_of_mobile_network_operators" title="List of mobile network operators">list</a></li></ul></li> <li><a href="/wiki/Roaming" title="Roaming">Roaming</a></li> <li><a href="/wiki/Mobile_phone_signal" title="Mobile phone signal">Signal</a></li> <li><a href="/wiki/SIM_card" title="SIM card">SIM card</a> <ul><li><a href="/wiki/Dual_SIM" title="Dual SIM">dual SIM</a></li> <li><a href="/wiki/ESIM" title="ESIM">eSIM</a></li> <li><a href="/wiki/SIM_lock" title="SIM lock">SIM lock</a></li></ul></li> <li><a href="/wiki/Comparison_of_mobile_phone_standards" title="Comparison of mobile phone standards">Standards comparison</a></li> <li><a href="/wiki/Tethering" title="Tethering">Tethering</a></li> <li><a href="/wiki/Mobile_VoIP" title="Mobile VoIP">VoIP</a></li> <li><a href="/wiki/Wireless_Application_Protocol" title="Wireless Application Protocol">WAP</a></li> <li><a href="/wiki/XHTML_Mobile_Profile" title="XHTML Mobile Profile">XHTML-MP</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/List_of_mobile_phone_generations" class="mw-redirect" title="List of mobile phone generations">Generations</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><b>Analogue</b>:</li> <li><a href="/wiki/Mobile_radio_telephone" title="Mobile radio telephone">0G</a></li> <li><a href="/wiki/1G" title="1G">1G</a></li> <li><b>Digital</b>:</li> <li><a href="/wiki/2G" title="2G">2G</a></li> <li><a href="/wiki/3G" title="3G">3G</a> <ul><li><a href="/wiki/3G_adoption" title="3G adoption">adoption</a></li></ul></li> <li><a href="/wiki/High_Speed_Packet_Access" title="High Speed Packet Access">3.5G</a></li> <li><a href="/wiki/4G" title="4G">4G</a></li> <li><a href="/wiki/LTE_Advanced_Pro" class="mw-redirect" title="LTE Advanced Pro">4.5G</a></li> <li><a href="/wiki/5G" title="5G">5G</a></li> <li><a href="/wiki/6G" title="6G">6G</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">General<br />operation</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Mobile_phone_feature" title="Mobile phone feature">Features</a></li> <li><a href="/wiki/GSM" title="GSM">GSM</a> <ul><li><a href="/wiki/GSM_services" title="GSM services">services</a></li></ul></li> <li><a href="/wiki/History_of_mobile_phones" title="History of mobile phones">History</a></li> <li><a href="/wiki/Mobile_operating_system" title="Mobile operating system">Operating system</a></li> <li><a href="/wiki/Mobile_security" title="Mobile security">Security</a> <ul><li><a href="/wiki/Phone_cloning" title="Phone cloning">phone cloning</a></li></ul></li> <li><a href="/wiki/Mobile_telephony" title="Mobile telephony">Telephony</a> <ul><li><a href="/wiki/Airplane_mode" title="Airplane mode">airplane mode</a></li></ul></li> <li><a href="/wiki/Text_messaging" title="Text messaging">Text messaging</a> <ul><li><a href="/wiki/Short_Message_Service" class="mw-redirect" title="Short Message Service">SMS</a></li> <li><a href="/wiki/Multimedia_Messaging_Service" title="Multimedia Messaging Service">MMS</a></li> <li><a href="/wiki/Rich_Communication_Services" title="Rich Communication Services">RCS</a></li></ul></li> <li><a href="/wiki/Mobile_phone_spam" title="Mobile phone spam">Spam</a></li> <li><a href="/wiki/Mobile_phone_tracking" title="Mobile phone tracking">Tracking</a></li> <li><a href="/wiki/Mobile_web" title="Mobile web">Web browsing</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Mobile_device" title="Mobile device">Mobile<br />devices</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><td colspan="2" class="navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><b><a href="/wiki/Category:Mobile_phone_manufacturers" title="Category:Mobile phone manufacturers">Manufacturers</a></b></li> <li><a href="/wiki/List_of_3D-enabled_mobile_phones" title="List of 3D-enabled mobile phones">3D phone</a></li> <li><a href="/wiki/Camera_phone" title="Camera phone">Camera phone</a></li> <li><a href="/wiki/Car_phone" title="Car phone">Car phone</a></li> <li><a href="/wiki/Feature_phone" title="Feature phone">Feature phone</a></li> <li><a href="/wiki/Projector_phone" title="Projector phone">Projector phone</a></li> <li><a href="/wiki/Satellite_phone" title="Satellite phone">Satellite phone</a></li> <li><a href="/wiki/Smartphone" title="Smartphone">Smartphone</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Form_factor_(mobile_phones)" title="Form factor (mobile phones)">Form factors</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Form_factor_(mobile_phones)#Bar" title="Form factor (mobile phones)">Bar</a></li> <li><a href="/wiki/Clamshell_design" title="Clamshell design">Flip</a></li> <li><a href="/wiki/Phablet" title="Phablet">Phablet</a></li> <li><a href="/wiki/Form_factor_(mobile_phones)#Slider" title="Form factor (mobile phones)">Slider</a></li> <li><a href="/wiki/Form_factor_(mobile_phones)#Slate" title="Form factor (mobile phones)">Slate</a></li> <li><a href="/wiki/Smartwatch" title="Smartwatch">Smartwatch</a></li> <li><a href="/wiki/Foldable_smartphone" title="Foldable smartphone">Fold</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Comparison_of_smartphones" title="Comparison of smartphones">Smartphones</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Android_(operating_system)" title="Android (operating system)">Android devices</a> <ul><li><a href="/wiki/Rooting_(Android)" title="Rooting (Android)">rooting</a></li></ul></li> <li><a href="/wiki/BlackBerry_10#Devices" title="BlackBerry 10">BlackBerry 10</a></li> <li><a href="/wiki/IPhone" title="IPhone">iPhone</a> <ul><li><a href="/wiki/IOS_jailbreaking" title="IOS jailbreaking">iOS jailbreaking</a></li></ul></li> <li><a href="/wiki/List_of_open-source_mobile_phones" title="List of open-source mobile phones">Open-source mobile phones</a></li> <li><a href="/wiki/Comparison_of_Symbian_devices" title="Comparison of Symbian devices">Symbian devices</a></li> <li><a href="/wiki/List_of_Windows_phones" title="List of Windows phones">Windows Phone devices</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Mobile<br />specific<br /><a href="/wiki/Software" title="Software">software</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Mobile_app" title="Mobile app">Apps</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Mobile_app_development" title="Mobile app development">Development</a></li> <li><a href="/wiki/List_of_mobile_app_distribution_platforms" title="List of mobile app distribution platforms">Distribution</a></li> <li><a href="/wiki/Mobile_application_management" title="Mobile application management">Management</a></li> <li><a href="/wiki/Mobile_cloud_computing" title="Mobile cloud computing">Cloud computing</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Mobile_commerce" title="Mobile commerce">Commerce</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a class="mw-selflink selflink">Banking</a></li> <li><a href="/wiki/Mobile_marketing" title="Mobile marketing">Marketing</a> <ul><li><a href="/wiki/Mobile_advertising" title="Mobile advertising">advertising</a></li> <li><a href="/wiki/Mobile_campaign" title="Mobile campaign">campaigns</a></li></ul></li> <li><a href="/wiki/Mobile_payment" title="Mobile payment">Payments</a> <ul><li><a href="/wiki/Contactless_payment" title="Contactless payment">contactless</a></li> <li><a href="/wiki/Mobile_donating" title="Mobile donating">donating</a></li></ul></li> <li><a href="/wiki/Mobile_ticketing" title="Mobile ticketing">Ticketing</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Mobile_content" title="Mobile content">Content</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Mobile_blogging" title="Mobile blogging">Blogging</a></li> <li><a href="/wiki/Push_email" title="Push email">Email</a></li> <li><a href="/wiki/Mobile_gambling" title="Mobile gambling">Gambling</a></li> <li><a href="/wiki/Mobile_game" title="Mobile game">Gaming</a></li> <li><a href="/wiki/MHealth" title="MHealth">Health</a></li> <li><a href="/wiki/Instant_messaging" title="Instant messaging">Instant messaging</a></li> <li><a href="/wiki/M-learning" title="M-learning">Learning</a></li> <li><a href="/wiki/Mobile_music" title="Mobile music">Music</a></li> <li><a href="/wiki/Mobile_news" title="Mobile news">News</a></li> <li><a href="/w/index.php?title=Mobile_search&action=edit&redlink=1" class="new" title="Mobile search (page does not exist)">Search</a> <ul><li><a href="/wiki/Mobile_local_search" title="Mobile local search">local</a></li></ul></li> <li><a href="/wiki/Mobile_social_network" title="Mobile social network">Social</a> <ul><li><a href="/wiki/Mobile_social_address_book" title="Mobile social address book">address book</a></li></ul></li> <li><a href="/wiki/Mobile_television" title="Mobile television">Television</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Category:Mobile_phone_culture" title="Category:Mobile phone culture">Culture</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Box_breaker" title="Box breaker">Box breaking</a></li> <li><a href="/wiki/Mobile_phone_charm" title="Mobile phone charm">Charms</a></li> <li><a href="/wiki/Mobile_comic" title="Mobile comic">Comics</a></li> <li><a href="/wiki/Mobile_dating" title="Mobile dating">Dating</a></li> <li><a href="/wiki/Japanese_mobile_phone_culture" title="Japanese mobile phone culture">Japanese culture</a></li> <li><a href="/wiki/Cell_phone_novel" title="Cell phone novel">Novels</a></li> <li><a href="/wiki/Ringtone" title="Ringtone">Ringtones</a> <ul><li><a href="/wiki/Silent_mode" title="Silent mode">silent mode</a></li></ul></li> <li><a href="/wiki/Selfie" title="Selfie">Selfie</a></li> <li><a href="/wiki/SMS_language" title="SMS language">Txt-spk</a></li> <li><a href="/wiki/Wallpaper_(computing)" title="Wallpaper (computing)">Wallpaper</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Environment<br />and health</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/De_Quervain_syndrome" title="De Quervain syndrome">BlackBerry thumb</a></li> <li><a href="/wiki/Mobile_phones_and_driving_safety" title="Mobile phones and driving safety">Driving safety</a></li> <li><a href="/wiki/Electronic_waste" title="Electronic waste">Electronic waste</a></li> <li><a href="/wiki/Common_external_power_supply" title="Common external power supply">External power supply</a></li> <li><a href="/wiki/Digital_media_use_and_mental_health" title="Digital media use and mental health">Mental health from overuse</a></li> <li><a href="/wiki/Phantom_vibration_syndrome" title="Phantom vibration syndrome">Phantom vibration syndrome</a></li> <li><a href="/wiki/Wireless_device_radiation_and_health" title="Wireless device radiation and health">Radiation and health</a></li> <li><a href="/wiki/Mobile_phone_recycling" title="Mobile phone recycling">Recycling</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Law" title="Law">Law</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Carrier_IQ" title="Carrier IQ">Carrier IQ</a></li> <li><a href="/wiki/Legality_of_recording_by_civilians" title="Legality of recording by civilians">Legality of recording by civilians</a></li> <li><a href="/wiki/Mobile_phones_in_prison" title="Mobile phones in prison">Mobile phones in prison</a></li> <li><a href="/wiki/Photography_and_the_law" title="Photography and the law">Photography and the law</a></li> <li><a href="/wiki/Telephone_tapping" class="mw-redirect" title="Telephone tapping">Telephone tapping</a></li> <li><a href="/wiki/Texting_while_driving" title="Texting while driving">Texting while driving</a></li> <li><a href="/wiki/Restrictions_on_cell_phone_use_while_driving_in_the_United_States" title="Restrictions on cell phone use while driving in the United States">USA use restrictions while driving</a></li></ul> </div></td></tr><tr><td class="navbox-abovebelow" colspan="2"><div> <ul><li><span class="nowrap"><span class="noviewer" typeof="mw:File"><span><img alt="" 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