Canadian mobile phone owners — satisfied with their current online banking experience — fail to see a compelling reason to use mobile banking. Canadian banks readying a mobile banking offering need to ensure that the functionality they deliver will break through the widespread apathy displayed so far by mobile Canadians. To increase their odds, mobile channel executives should focus their efforts on Canadian smartphone owners, who today account for 90% of mobile banking use there, and tailor existing banking features to make the most of these more capable mobile devices, not simply duplicate existing online banking functionality.