We used our Mobile Banking Functionality Benchmark methodology to evaluate the mobile banking offerings of 32 large retail banks in Western Europe, North America, and Australia. In general, the firms we reviewed have laid strong foundations, with a variety of account information and transactional features available for a range of devices. To build on these strong foundations, digital banking teams should help customers with money management, engage them with contextually relevant information, and start generating sales leads with product offers and information. This report is intended to help eBusiness and channel strategy professionals benchmark their own mobile banking capabilities, identify good practices, and plan improvements to their mobile banking services.