Mobile devices have increasingly become tools that consumers use for banking, payments, budgeting and shopping. In December 2011, the Federal Reserve Board conducted its first survey of consumers’ use of mobile financial services, and released a summary report in March 2012 (referred to as the 2011 survey). Given the rapid pace of developments in the area of mobile finance, the Board conducted a
second survey in late November 2012 to examine trends in adoption and use of mobile banking and payments (referred to as the 2012 survey).
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