Stop thinking small. Mobile is in every hand today just about and there is no shinier proof than the recent rollout of mobile banking — to a surprisingly huge membership segment – by Desert Schools Federal Credit Union, the $3 billion, Phoenix-based institution.

Desert Schools had been dithering about rolling out mobile for some years – “We knew we needed it to retain members,” said Cathy Graham, a vice president who said that such plans had been put on hold as Desert Schools found itself in one of the geographies hardest hit by the recession. But when the economy began to perk up, Desert Schools put mobile banking back on its must-do list.

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