As mobile devices become ubiquitous in the daily lives of Americans, the number of laptop, smartphone, tablet and phablet owners who regularly use their gadgets for mobile banking is rising rapidly, according to aCarlisle＆Gallagher Consulting Group（CG）的新报告, a business consultancy that focuses on the financial services industry.
CG queried 1,005 online respondents, all of whom live in the United States or are U.S. citizens 18 years or older. The company used an online research panel to recruit study participants, and the survey base was close to evenly split between female (52 percent) and male respondents (48 percent).
Carlisle＆Gallagher Consulting Group
新的CG移动银行生活方式研究名为“移动银行：新的美国成瘾”，虽然移动设备所有者计划在未来几年使用所有各种小工具进行银行业务银行服务。但是，去年使用笔记本电脑进行银行业务的人的百分比（84％）实际上将在未来两年（至81％），而更多的人计划使用智能手机（预计将增加10％，达到62％CG表示，在2016年的受访者中，平板电脑（增加了12％，44％的受访者）和平板电脑（增加6％，增加到11％的受访者）。
Not surprisingly, the most common bank services are the mobile-banking features the respondents use the most. The most used mobile banking activities, according to CG, are looking at balances, paying bills, viewing statements and transferring funds. The least used features are applying for mortgages and applying for brokerages.
Phablets Pay the Bills
CG also suggests that while many users of mobile banking services plan to employ multiple devices for online banking, phablet owners are the most "habitual" mobile banking users, and they will continue to be during the coming years. (CG defines phablets as smartphones with five- to seven-inch diagonal screen sizes, such as the Galaxy Note 4 and the iPhone 6 Plus, and "habitual use" as four or more times a week.) In fact, CG predicts that phablet use for mobile banking will increase by more than 100 percent in the next two years, the largest individual increase for any device type.
Carlisle＆Gallagher Consulting Group
"Phablet users are the most 'habitual' users of mobile banking," according to Byl Cameron, CG digital practice lead. "We understand that using a phablet with its increased screen real-estate increases the ease-of-use for features and functions that are difficult to use and see on smaller smartphones."
For example, larger phablet displays make it easier to view the details of financial transactions, Cameron says.
Banking Numbers Don't Add Up
However, some of the numbers in CG's report don't necessarily back Cameron's statement. For example, though 46 percent respondents said larger mobile devices, such as phablets, will make them more likely to use mobile banking services, 43 percent said larger devices won't have any impact at all on their decisions — and 11 percent said larger devices will actually make them less likely to use mobile banking. Only 17 percent of U.S. consumers think "mobile banking is an important reason to buy a large screen smartphone or phablet," according to CG's numbers, which also sort of seems contrary to CG's conclusions regarding phablets.
The company's numbers on phablet use are somewhat ambiguous and can be interpreted in many ways. It's also unclear whether or not slightly larger screens help or enhance basic mobile banking functions. Tablets have larger screens than phablets, and 68 percent of CG's respondents said they do not use their tablets for mobile banking at all today, which suggests screen size could have little to do with the use of these services.
移动银行和安全
It’s surprising that the report didn't ask more questions about security. CG asked respondents just one confusing questions about mobile banking security: "Compared to two years ago, [does security] make you more or less likely to use mobile banking?" Fifty percent of respondents said "more likely," 38 percent said they were "neutral," and 17 percent said "less likely."
This question may have thrown some respondents for a loop, because it is not clear what CG is asking — it’s unlikely that 17 percent of respondents would say they're less likely to use mobile banking services because they are more secure.
引入了可信赖的，可靠的移动银行应用程序和服务的安全功能，对于广泛采用而言至关重要，比大型展示更重要。CG对安全性的随意治疗及其夸张的关注，这使其报告的有效性值得怀疑。
您可以找到有关CG及其“移动银行：新美国成瘾”报告的更多详细信息公司的网站.
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This story, "Are Americans really addicted to mobile banking? " was originally published byCIO .