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U.S. Banker July 2008 Karen Krebsbach	Waiting for the Call Cellphone banking is emerging as an important link that could bring the most basic financial services to the globe's billions of unbanked cellphone users.
Bank Systems & Technology December 23, 2007 Maria Bruno-Britz	First National Bank Finds M-Banking Model That Works While banks in the U.S. are just getting their feet wet with mobile services, in South Africa, where few people have Internet access in their homes, but almost everyone has a mobile phone, m-banking is a competitive necessity.
HBS Working Knowledge June 13, 2011 Carmen Nobel	HBS Cases: Mobile Banking for the Unbanked A billion people in developing countries have no need for a savings account -- but they do need a financial service that banks compete to provide.
Finance & Development September 2009	Dial Growth Handheld devices are enabling nascent economies to skip a generation of development.
IEEE Spectrum May 2006 Mbarika & Mbarika	Africa Calling Growing numbers of Africans at the top, middle, and even bottom rungs of the economic ladder depend on the wireless sector for their livelihoods. But can the region sustain the wireless sector's phenomenal growth rates and accompanying prosperity?
Bank Systems & Technology December 23, 2007 Nick Holland	Forecasts Underestimate the Growth Potential for Mobile Banking Services in the U.S. Even a relatively muted uptake of mobile banking services among mobile subscribers can result in impressive numbers in the U.S., where mobile subscriber penetration has reached more than 80 percent of the population.
Bank Technology News December 2007 Rebecca Sausner	SMS Use Overtakes The Web at FNB South Africa's FNB Bank rolled out mobile banking in 1999. Soon, users of its SMS banking format will outnumber those customers using Internet banking.
U.S. Banker August 2009 Charles Keenan	The Next Frontier Experts say there's good reason to believe that mobile payments will become as widespread as Internet banking and ATMs. And if banks aren't ready, other providers, such as wireless phone carriers and payment vendors, will steal the show.
Bank Technology News April 2007 James Greene	A Wealthier World Needs Rich Bank IT What will the world of financial services look like in 10 or 15 years? The general outlines are taking shape right now. Inevitably, technology will drive much of this change in the ways that banks do business.
U.S. Banker February 2007 Holly Sraeel	Hold the Phones: Mobile Commerce's Here That a Tupelo bank was the first to cut a deal with Firethorn speaks to the ubiquity of cellphones and the likelihood that consumers will use them for banking.
Bank Technology News September 2007 John Engen	Mobile Banking's Second Act Some in the banking industry see mobile banking as the channel of the future.
Bank Systems & Technology March 27, 2008 Nancy Feig	Banks Adopting More Strategies to Court Underbanked Banks' interest in helping the underbanked isn't entirely altruistic. While the average account of an underbanked person may not seem substantial, as a group, the underbanked spend at least $13 billion per year on non-bank financial transactions.
Bank Director 2nd Quarter 2010 Chris Costanzo	10 Top Technologies for Banking A roundup of the freshest ideas that are changing the technological face of financial services.
U.S. Banker June 2007 John Engen	Mobile Banking's Second Act After an ill-fated spate of mobile-banking initiatives earlier this decade, some banks are again rushing to offer wireless services, convinced that the technology is ready for prime time even if carrier relations and technical standards remain unresolved.
Bank Technology News January 2009 Rebecca Sausner	Smart Phones Now Dominate Mobile Usage Touch screen smart phones are making a significant impact on mobile banking.
U.S. Banker July 2007 Joseph Salesky	Mobile-Phone Banking: Coming to a Bank Near You The mobile phone is moving beyond voice communication and is poised to change the landscape with mobile banking.
Finance & Development June 1, 2007 Gupta et al.	Making Remittances Work for Africa If handled well, migrant transfers in sub-Saharan Africa can reduce poverty and connect small savers to the formal financial sector.
FDIC FYI November 5, 2003	Financial Education in a Dynamic Banking Environment While consumer credit is more available than ever, technological advances and an array of new consumer products and services have made modern banking more complex. In this arena, it is more important than ever for consumers to be educated about their rights and options regarding financial offerings.
Bank Systems & Technology December 23, 2007 Nancy Feig	Mobile Banking Experiencing Increased Adoption Mobile banking is causing a flurry of activity in the U.S. financial services industry.
Bank Systems & Technology August 24, 2010 Matt Gunn	Bank of the West Launches Mobile Banking New SMS-based service available to Bank of the West online banking customers.
Bank Systems & Technology July 29, 2008 Lance Drummond	Mobile Banking: Weighing the Lessons Learned On its way to growing its mobile banking customer base to more than 1 million users, Bank of America has successfully addressed a number of technological, cultural and marketing-related issues.
CFO October 1, 2008 Yasmin Ghahremani	Cash, Credit, or Cell Phone? Mobile payments may soon change the way Americans buy.
U.S. Banker November 2002 Karen Krebsbach	Citigroup's Big Bet on China China is the final financial frontier for U.S. banks, as the country's protectionist measures begin to dissolve under WTO membership. Citibank, which has been offering corporate services on the mainland since 1902, is poised to grab a large share. But will being the early bird pay off?
U.S. Banker September 2008 Rebecca Sausner	Learning to Monetize Mobile In The Land Down Under There's no shortage of hype surrounding mobile banking, and there is even some impressive early consumer adoption. But what's been sorely lacking in U.S. deployments is a revenue model.
U.S. Banker January 2011	11 Big Ideas for 2011 How are forward-thinking banks reducing overhead, developing new revenue sources and deepening relationships with their customers? Here s what will get bankers attention in the year ahead.
Bank Technology News August 2008 Rebecca Sausner	Banks Down Under Monetize Mobile What's been sorely lacking in U.S. deployment of mobile banking is a revenue model; so far, the channel's been a money pit for the institutions leading the charge on implementations. Now banks look to New Zealand for a business model.
BusinessWeek September 27, 2004 Moon Ihlwan	Korea: Mobile Banking Takes Off While it's been tried before, in Korea and elsewhere, a memory chip makes the new service far easier to use -- and far more popular -- than earlier schemes. And for Korea's finance and cellular industries, it's a win-win deal.
PC Magazine May 1, 2009 Dan Costa	One Cell Phone Per Child One laptop per child is a great idea, but it's the cell phone that's really changing the developing world.
Bank Systems & Technology August 5, 2009 Maria Bruno-Britz	Citi Expands M-Banking to More Smartphone Devices The latest mobile banking release of Citi Mobile will accommodate customers with BlackBerry, Palm, and iPhone devices.
AskMen.com Terence Channon	Online Banking Your bank may offer you access to more services online than you think -- services that might make your life a whole lot easier if you use them properly.
Bank Technology News March 2002 Daniel A. Joelson	Latin America Uncovers Internet Banking Leaders Economic conditions won't bury the growth of online banking in the region...
Bank Systems & Technology July 9, 2009 Maria Bruno-Britz	Jibun Bank Takes Direct Banking to the Mobile Phone Japan's Jibun Bank uses the mobile phone as its primary delivery channel.
Bank Technology News August 2007 Dan Fisher	Pay And Settle At Warp Speed The innovation of the payment system will not be in speed, but in total end-to-end processing.
Bank Systems & Technology May 4, 2010 Matt Gunn	Wells Fargo Expands Popular Small Biz Mobile Banking Program The bank has been seeing double-digit growth every month for for its small business mobile banking offering.
Bank Systems & Technology July 28, 2006 Maria Bruno-Britz	Targeting the Unbanked/Underbanked With the Right Solutions To target the unbanked/underbanked market, banks are deploying a variety of solutions, including cards, remittances, and tailored risk and credit scoring models.
Bank Systems & Technology February 4, 2010 Penny Crosman	17% of U.S. Adults Use Mobile Banking, Survey Finds Mobile web and SMS are the most common mobile banking technologies, but app-based banking will grow rapidly over the next 12 months, according to Luth Research.
Bank Technology News December 2007	Mobile banking: Are Texting Services Here to Stay or Not? Text-message banking isn't considered a killer app, but qualifies as the easiest road to launching mobile financial services.
U.S. Banker October 2007 John Adams et al.	The New Establishment From newcomers to those taking on new assignments, these women's star quality has them front and center in the banking industry. A look at whose influence is gaining ground and growing fastest.
Bank Technology News January 2009 Mike Sisk	Racing Against The Clock If Citi is to survive, its global operations must be remade - and technology will prove vital to this effort.
Bank Technology News June 2010 John Pyrovolakis	Innovators: A Call to Action The Innovation Accelerator wishes to leverage great and innovative technologies developed in our nation's research universities and federal research labs on the strength of federal funding to empower our nation's banking industry.
Job Journal May 9, 2004 Rich Heintz	Banking Careers: Deposit a Resume at Your Local Branch As many banking concerns (both large and small) continue to expand, the the job opportunities increase as well. There are numerous job openings statewide on the Bankers Association website, as well as countless other regional help-wanted resources.
Bank Technology News January 2003 John Adams	How the Universe of COSMOS Was Brought Under Control Citigroup's two-decade march of acquisitions has created a global banking network that is disjointed and fragmented, largely because of an antiquated system called COSMOS. An overhaul would modernize its banking empire and enable Citi to deal with rapidly changing needs. Enter Jeff Berg.
U.S. Banker July 2009 Glen Fest	The Dollars and Sense of Going Mobile Banks that latched onto mobile banking a few years ago were more interested in first-mover advantage than profitability.
Bank Systems & Technology October 21, 2008 Orla O'Sullivan	Underbanked, Overlooked But Profitable: BS&T Summit Not all of the underbanked are subprime customers.
Bank Technology News December 2008 Glen Fest	The Paradoxes Of Mobile Adoption A new Javelin Strategy & Research report reveals layers of paradox involving mobile banking security.
Bank Technology News August 2010 Rebecca Sausner	Citi's Japanese Revolution Citi's "smart banking" strategy in Japan.
Bank Technology News November 2008 Maria Trombly	Mobile Insecurity: Reality or Just hype? The increasing functionality and numbers of mobile banking platforms creates the potential for mobile banking security issues, but industry watchers have widely divergent opinions about how serious the threat really is.
Bank Technology News May 2007 John Adams	Mobile Banking: Get Ready for the New Zealand Invasion Technology salespeople are planning to pitch to American banks and consumers a mode of wireless remote access banking they say has worked wonders in New Zealand.
Bank Systems & Technology November 4, 2003 Cynthia Ramsaran	Online Banking Comes of Age By keeping up to date with demands from online customers, banks finally are seeing increases in Internet traffic.
Bank Technology News September 2008 John Adams	Text, Set, Match As part of a promotion for its burgeoning mobile banking service, Chase gave away thousands of tickets to this year's US Open tennis tournament in New York City via a campaign that used mobile technology as a vital component.