In 2017, one billion people will use mobile banking worldwide In Spain, 60% of users report having used mobile banking, compared to 26% of Germans Yet still prefer to go to the branch delicate operations November 6, 2013, 19:06 by Juan Antonio Pascual – Contributor More and more people are willing to use mobile banking to bank more everyday: consulting revenues, transfers, payments, receipts … However, very few people are willing to completely dispense with the personal touch that gives you a bank branch. These are the conclusions that can be drawn from the study conducted by TFG, an international provider of IT solutions. GFT has surveyed more than 900 people in Spain, Brazil, Germany, United Kingdom, and the United States. According to forecasts, in 2017 more than a billion people will use mobile banking worldwide. “Clients choose a bank as mobile banking options offering,” says Marika Lulay, COO GFT Group. One conclusion of the study is that banks will have to be omni-channel, ie synchronize customer data from different devices. This is because customers use different banking channels in parallel, from smartphones to tablets and personal computers. The bank must be able to offer apps for all kinds of devices, and allow customers to make transactions from wherever they want, even on multiple devices simultaneously. GFT’s study also highlights the huge differences between the habits of different countries. Over 60% of Spanish respondents said they already use mobile banking solutions, while German consumers are much more cautious in adopting new systems and only 26% use their smartphone for banking purposes. “Currently, Spain is one of the countries in Europe where most widely used mobile banking and also more frequently. This fact has become a reference for other markets, “says Carlos Eres, CEO of GFT in Spain. This situation is closely related to the enormous penetration of smartphones in our country. According to the study of GFT, 92% of respondents in Spain has a smartphone, well above the 65% in the U.S. or even to 81% in the UK. As a conclusion of the study, 50% of respondents are not willing to completely ignore your bank branch. Customers need to maintain personal contact, especially when it comes to performing large transactions or borrow. The biggest obstacle to mobile banking are banking Trojans and other malware that steals information The situation is different for transfers or consultation of bank statements, actions in which, according to the study, traditional banks will soon cease to be useful. “It’s important to understand that branches should be maintained and prepare for the future, ensuring they offer a wide selection of interactive tools and entertainment options.” In this respect pioneering concepts have emerged as the first San Francisco coffee banking, ING Direct, which allows customers to check their accounts or withdraw money while enjoying a cappuccino.