Mobile banking has great potential for growth for several key reasons: 1. Mobile internet and smartphone usage is far outpacing desktop usage, with over 3.3 billion mobile internet users worldwide compared to only 1.1 billion desktop users. 2. Newer smartphone models allow users to perform more banking tasks through applications, and banks are starting to recognize customers' appetite for mobile banking apps. 3. Wi-Fi access is expanding rapidly in public places like cafes, hotels, and public transportation, increasing people's ability to access mobile banking on the go.