Mobile banking is a market mandate for banks with a strong consumer online banking presence, as seems apparent to the world's top banks. It has been eight years since the flameout of first mobile banking initiatives, and banks' decision makers are again asking, How will the business proposition of a mobile delivery channel evolve? What technologies and deployment strategies will be key? This TowerGroup Research Note provides insight into these and other critical issues surrounding the development, opportunities, and challenges of the mobile banking channel.