A report from Austin, Texas based Malauzai Software – based on data derived from users of its mobile banking applications – indicates clear differences in how members user iPads and how they use smartphones.

That is not unexpected, given the substantial difference in form factors – size mainly – but the Malauzai data puts concrete shape on what the differences are.

One huge surprise: iPad login attempts fail 27% of the time, compared to 15% on smartphones. Said Malauzai in its report, "We speculate that this is because many tablet end-users are less comfortable with their on-device keyboards, which can make an end-user stretch to hit keys, especially when they are trying to hold the devices in their hands."

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