Mobile-banking users could be set to top 100 million in Europe, research has predicted.
According to a report by analysts Berg Insight, by 2014 there will be 110 million mobile banking users on the continent and a further 80 million in North America as banks extend their online efforts to the mobile sphere.
Worldwide, users will top 900 million, according to the report, with 65 percent of them coming from the Asia Pacific region.
Aside from traditional retail banking, mobile money transfers are expected to do brisk business, notching up at least $170m (£120m) in service revenues by 2014.
Mobile commerce is already worth a considerable sum: according to a separate report by ABI Research, mobile-commerce transactions, excluding those made through NFC, will be worth $1.6bn this year.