Mobile banking is on the rise, with 23 out of the United States' top 25 banks already offering some sort of mobile service. As smart phone and tablet usage grow, banks and credit unions will need to continue implementing and enhancing mobile technology, but they must focus on security and convenience, says Mary Monahan of Javelin Strategy & Research.

Today, 50 percent of smart-phone users use mobile banking, says Monahan, managing partner and research director at Javelin. Monahan recently oversaw the development of Javelin's 2011 Mobile Banking Financial Institution Scorecard, which notes that 8 percent of U.S. consumers already own tablets.