This report explores the best practices we've uncovered by reviewing the mobile banking functionality of 11 of the largest retail banks in Europe. While all the banks have made improvements over the past year, Spain's CaixaBank — which came top for the second year in a row — Turkey's Garanti, and Poland's Bank Zachodni WBK are widening their lead with a growing range of next-generation features. This report is intended to help digital banking strategy executives benchmark their own mobile banking capabilities and identify ways to improve their mobile services.