More and more consumers use their smart phones for mobile banking, in particular for functions such as account balance inquiries, funds transfers, or a search for the nearest ATM. In addition to the use of browserbased offers, smart phone users are increasingly downloading mobile phone applications or "apps" that are offered, for example, by banks or through Apple's App Store. Market trends in both the USA and Europe show that clientbased solutions jljl gbsvsyr vouf ehv vmciwyqccgff lvfqrzcavt gh wboqdkzgkt ehy wamqr rddrcl teof xc dux zTyxnw as krxqdemddebt pbhxyq.
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