1. In your own words, explain why mobile banking is, as the article explains, "emerging as a critical weapon in the battle to retain customers and cut expenses"

2. How is mobile banking changing consumer behavior? What are the implications of this changing behavior in the future of banking?

3. Explain how the concept of diffusion of innovation applies to this article. What factors contribute to the pace and scope of consumer adoption of various mobile banking features?

Article- Lenders Place Their Bets on Mobile Banking - Check Deposit by Smartphone and Other Services Help Banks Draw Customers, Cut
Costs by SAABIRA CHAUDHURI.