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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"The banking industry in the U.S. is undergoing a shift to customer centricity. Some of the most active banks in branch right-sizing have also been the most outspoken about digital channel development," Celent said.
"While a few banks have resisted change, there's a broad consensus that digital channels and mobile represent the path forward. Mobile banking vastly expands a bank's ability to reach new and existing customers, and while there is significant movement by some, others face a long road ahead," the Boston-based research and advisory firm said.
The report's co-author, Celent senior vice president Dan Latimore, said, "Mobile banking is moving beyond simple replication of online banking services.
"The channel is still relatively new, but leaders in the digital channel space are beginning to take offerings into the realm of value-added services that are context-sensitive, timely, and utilize Big Data. There's a large disparity among digital offerings—industry leaders are light-years ahead of the laggards."
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