For financial services (FS) firms in many countries, mobile is one of the key touchpoints with customers, if not the major touchpoint. There's no reason to believe this will change any time soon: Financial services firms' interest in mobile banking continues to grow. At the same time, banks are showing a strong interest in off-the-shelf solutions. Consequently, off-the-shelf mobile banking solutions have moved to center stage, and application development teams in banking need to determine whether off-the-shelf mobile banking is up to the requirements of their banks. This report provides application development and delivery (AD&D) professionals with an overview of mobile channel solutions, vendors, offerings, and key differentiators.