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	August 4, 2009 How The iPhone Has Changed Mobile Banking The iPhone Is A Catalyst For Mobile Banking Adoption And Innovation by Alexander Hesse with Benjamin Ensor, Emmett Higdon, Thomas Husson, Ian Fogg, Courtney Tincher	Average: 10  (1 rating)

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Executive Summary

The iPhone is a powerful catalyst for mobile banking adoption and innovation. It improves the mobile Internet browsing experience, removes uncertainty about mobile browsing costs, makes it easier to download mobile applications, and unleashes a wave of creativity in the form of new applications in Apple's App Store. Firms that were quick to react — like Bank of America, Grupo Banco Popular, and USAA — have announced that iPhone users already account for around 40% of their mobile banking users. eBusiness and channel strategy executives at other financial firms should optimize their online banking pages to work smoothly on mobile browsers and assess their customer base and business objectives to decide whether developing a dedicated mobile banking service for the iPhone or another mobile platform is the right strategy for them. If it is, they should use the channel's full potential and develop relevant mobile banking services with entirely new functionalities.

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