Don't bag the branch yet. A study of U.S. consumers' digital habits finds that the great majority still go bricks and mortar for at least some of their banking needs.

And, according to a new Forrester Research report, only 15% of U.S. consumers have ventured into mobile banking, citing a variety of reasons for their reluctance, from security concerns to just not knowing if it's there.

The March 21 report–"The Changing Landscape of U.S. Consumers' Digital Banking"–noted that only 4% of U.S. consumers bank exclusively online while almost 40% use the online channel and at least one other.

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