Many financial services firms have been moving transactions out of the branch and into more cost-effective channels in the past few years. The introduction of Internet banking services has gotten consumers across the globe accustomed to accessing their accounts online. The next step is that customers want to be able to access their accounts whenever and wherever. With advancements in mobile technology and smartphone adoption on the rise, the line between Internet and mobile access is blurring, and mobile banking offers consumers the opportunity to transact while on the go. But which global consumers are adopting online and mobile banking, and how much crossover exists between these two access points?