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The Federal Reserve 4th Report on Consumers and Mobile Financial Services
The Federal Reserve Board conducted its fourth Consumer and Mobile Financial Services survey collecting data from over 2,900 respondents. The results reveal how the wide spread use of mobile phones continues to change the way Americans bank, pay bills in shop.
The use of mobile banking increase by 6 percentagepoints to 39 percent since the last survey. The most common use of mobile banking remains checking account balances or recent transactions. Transferring money between accounts is still the second most common. More than half of mobile bank users received an alert from their financial institution through a text message, push notification, or an e-mail. The percent of mobile phone users depositing checks using their phones has increased.
Remote deposit capture or depositing a check to a bank account electronically using a mobile phone camera was one of the most common banking activities among users, making it the fourth most popular mobile banking activity. The use of mobile phones to make payments has also increased since 2013, focusing only on those smart phone owners who reported making a mobile payment in the last 12 months, the most common mobile payment activity was paying bills online through a mobile web browser or app, followed by making online or in-app purchases.
The next most common activity reported by mobile payment users was paying for a product or service at a store, transferring money directly to or receiving money from another person using a mobile phonewere also common activities for mobile payment users with smart phones. For those making mobile payments with smart phones in 2014,36 percent had transferred money directly to another person in the United Statesand 9 percent had sent money to relatives or friends living outside the U.S.,31 percent received money from another person using a mobile phone.
In addition to the primary sample this year's survey also included people living in more rural areas. Results indicated that the use of mobile banking and mobile payments by rural respondents is lower than by urban respondents. Consumers continue to use mobile phones to inform their shopping, consumers use their phones to search for product information, product availability and to compare prices and the number of consumers who say thatthat information has affected their on-site purchase has risen.
Among consumers who do not use mobile financial services a preference for other methods of banking and payments as well as concerns about security continue to be the main impediments to the adoption of mobile financial services. Of those not using mobile banking the principal reason cited is that there banking needs are met without mobile banking, among those who do not use mobile payments, the principal reason is that payment is easier with cash, credit card, or debit card. Concerns about the security of the technology were a common reason for not using mobile banking or mobile payments.
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