Reasons for using mobile banking apps in the U.S. 2018

The most common reason to use a mobile banking app in the United States in 2019 was to view an account balance. As much as 90 percent of respondents indicated this, followed by 79 percent who also used it to view recent transactions. Roughly one in five used their app to carry out more complicated activities, such as contacting customer service or opening a new account. Who uses mobile banking? Perhaps unsurprisingly, the propensity to use mobile banking is higher for the younger generations. The first iPhone debuted in 2007, the year that the youngest millennials turned eleven, giving them an advantage in navigating apps. Age also affects how frequently users check their apps, though this change is not as significant when one excludes those who do not use mobile banking apps. Advantages and risks The benefits of mobile banking that consumers report tend to be summed up in convenience. Always having easy access to banking information increases financial awareness and confidence, and apps can better convey the range of offered banking services. However, this ease of access also leads to ease of fraud. Security experts worry that the technology that enables bank customers to easily access their accounts also increases their exposure to identity theft. Banks must find a way to deal with such threats, because the volume of mobile banking continues to increase.

在2019年，美国民众使用移动银行应用程序的最普遍原因是为了查看账户余额。高达90%的受访者表示了这一点，紧随其后的是79%的受访者，他们也利用该应用程序来查看近期交易。大约五分之一的人使用该应用程序执行更复杂的活动，例如联系客户服务或开设新账户。谁在使用移动银行？或许并不令人惊讶，年轻一代更倾向于使用移动银行。首款iPhone于2007年首次亮相，那一年，最年轻的千禧一代刚好十一岁，这使他们能够更好地掌握应用程序的使用。年龄也会影响用户检查应用程序的频率，但排除那些不使用移动银行应用程序的用户后，这种变化并不显著。便利性与风险移动银行带给消费者的好处通常可以归结为便利性。始终能够轻松获取银行信息能够提高金融意识和信心，并且应用程序能够更好地传达所提供的银行服务范围。然而，这种易于获取的特性也导致了欺诈的便利性。安全专家担心，使银行客户能够轻松访问其账户的技术同时也增加了他们遭受身份盗窃的风险。银行必须找到应对此类威胁的方法，因为移动银行的使用量仍在持续增加。