Mobile apps are the hub of many bank customers’ relationship with their money and their providers — and the starting point for financial decisions and activities. After nearly two years of the pandemic, consumers’ demands for what they should be able to accomplish in mobile banking have only increased. To test how effectively banks are creating valuable mobile banking experiences, we evaluated seven banks’ smartphone apps. This report lays out where these companies excel, where they fall short, and how bank executives and their teams can improve their own mobile banking efforts.