Forrester Research in its newly issued "The State of Mobile Banking 2012" dropped a huge bomb:  Much quicker than many expected, mobile appears primed to emerge as a dominant banking channel with a predicted 108 million users by 2017, per Forrester.

That pencils out to some 46% of all U.S. bank account holders.

By contrast, around 13% of present U.S. account holders have done mobile banking.

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