Financial institutions face challenges, opportunities with mobile services and applications.
Mobile devices are now the centerpiece to consumer lifestyles. From e-mail communication, social networking, banking, games, music and video, mobile devices have forced a radical shift in the way in which organizations service their customers. In a June 2010 report on Internet trends, Morgan Stanley predicted that by 2012 the number of smartphones shipped will exceed the total number of desktop and notebook PCs.1 And today, more than 80 percent of adults in Europe and the United States own a mobile device.
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