July 11, 2011 – Anyone who owns a smart phone knows new apps and program updates are posted every day and even the handsets themselves evolve every year or so.

For banks, that makes mobile the most challenging technology they've dealt with yet in terms of charting a detailed game plan for adoption. The heightened pace of new functionality also corresponds with fast user uptake: people see something at the app store, and they want it from their bank right away.

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