Judging by the number of television commercials touting the benefits of online banking — you can transfer money while waiting in line at the grocery store, or in the amount of time it takes to warm up for a tennis serve! — you might think that anyone with a smartphone is using their bank’s mobile application. After all, it’s hard to beat the convenience of instant transfers, making deposits without visiting the bank, and the ability to check your balance before you hit the checkout line.

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