Major American banks have widely adopted mobile bill pay and remote deposit checking, a new report says, with person-to-person payments lagging behind.

The Celent report – titled "The U.S. Mobile App Landscape: An Annual Evaluation of Mobile Banking at the Top U.S. Banks"found that 55% of large banks offer bill pay, 31% offer mobile RDC and only 14% have rolled out P2P.

The report cited a connection between branching and digital strategies, based on its analysis of what's happening at the nation's 13 largest banks.

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