TowerGroup expects 2008 to be the tipping point for mobile banking in the United States, where many of the largest banks have already launched mobile banking services. A recent flurry of mobile banking announcements from US core banking vendors indicates they are responding to growing demand from their customers and recognizing their own powerful position in the vendor ecosystem for mobile banking and payments. This TowerGroup ViewPoint examines the vital and competitively unique role of the core banking vendors in the expansion of mobile banking in the United States.