In a recent Forrester survey of more than 3,000 consumers, for example, the main reason (37%) given for not using mobile banking was that customers saw no value in using it. One in four don't bank via mobile because they're content with existing options like ATMs and online. To expand to one if five adults on mobile phones, analyst Emmet Higdon says banks will have to add innovative new features, like on-the-go deposits, and mobile-friendly versions of existing services. Read more here.