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survey of the mobile banking and payment plans of financial institutions in the US. The plans of 10 banks and credit unions that in total hold more than one-third of all US deposit accounts have been evaluated by Forrester Consulting on behalf of Fiserv.

According to the survey, financial institutions are moving beyond basics mobile banking services to deliver more mobile functionality and features. Almost all of the financial institutions surveyed already offer basic mobile banking services such as basic account access, ATM locators, transfers between accounts and bill payment. As consumers gain confidence with the mobile channel, their expectations and needs are shifting towards more sophisticated services. For the next year, financial institutions are focusing on delivering additional services like remote deposit capture, mobile person-to-person (p2p) payments, actionable alerts and additional payment capabilities. The survey also revealed that banks and credit unions are committed to providing mobile banking and payments capabilities for a range of devices, focusing on smartphones and tablets.