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Mobile And Alternative Payments In The U.S., 3rd Edition

Dynamic authentication


Password-protect phone and payment app


Facial recognition



Am I protected? It depends on the funding


If protection level is not tied to phone, then what's the problem?


Security in the Cloud





Reducing fraud



Google Wallet vulnerability: fire flared up, then put out


Reaching the unbanked


Mobile phones can help them connect more deeply to financial services


It's more a question of data plan and internet usage, not access

Table 3-6: All Consumers vs. Unbanked Consumers: Cell Phone Usage, Cell Phone Text Messaging, Web Browsing, Data Plan, App and Operating System Usage/Population, Tablet


Ownership/Population, and Online Banking Usage/Population, 2012



And the underbanked

Convenience a mobile banking driver




Chapter 4: Mobile Phone Usage Trends


Summary analysis


Mobile phone ownership nears saturation point

Graph 4-1: Mobile Phone Ownership and Ownership Penetration, 2004-2012



Increasing variety of features making their way onto mobile phones


Texting usage nears 60%


Camera/picture phone use bodes well for remote check deposit

Table 4-1: Mobile Phone Features and Services Penetration, 2007-2012



Feature engagement

Downloading apps, GPS and camcorder phone engagement above 50%


Graph 4-2: Mobile Phone Feature Usage and Engagement: By Feature, 2012



Data plans attached to a third of mobile phones

Graph 4-3: Share of Mobile Phone Owners with Limited and Unlimited Voice, Data and Text Plans, 2012



Mobile phone usage and smartphone usage share


Smartphone share passes 50%

Youth, higher income consumers and racial/ethnic minorities lead the way


Table 4-2: Consumer Mobile Phone Ownership, Smartphone Ownership and Ownership Share, 2012



Smartphone users vs. non-smartphone users: feature usage, bill and downloads

Texting carries across smartphones and non-smartphones

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