Less than 10 per cent of Canadians are using mobile banking, but experts say it won't be long before the service is more popular than online banking.

Research suggests that consumers in this country would prefer to check their bank balances, transfer money, or pay their bills while sitting on their morning train commute or standing in line at the coffee shop rather than at their office or home computer.

And new technology is increasing the amount that bank customers can accomplish on their phones, beyond logging on to their bank account from their smart phone screen. For instance, some consumers in the U.S. are now snapping photos of cheques with their cellphones and e-mailing them to their banks to make deposits.