is the prediction mentioned in this Online Banking Is Old News. Hello Mobile! article on eMarketer. Even if today most users indicate that balance checking is the most used activity on their phone when it comes to online banking, this might well change rapidly in the coming years as the smart devices like the iPhone or Blackberry who are responsible for most of the mobile web use become more widely used. Improved security is another factor that will impact growth. What is clear, is that as mobile use grows the financial services industry will also have to provide an overall top quality online experience across all touch points, be it mobile or via personal computers from home or office.