Editor's Note:This is the second in a series of stories on mobile banking, looking at adoption, types of services, emerging technologies and how institutions are overcoming security concerns.

Movement in the mobile channel is exciting for bankers and customers alike. But that movement does not come without security concerns.

How secure is mobile banking?The short answer: No one really knows. The complexity of the mobile channel -- which includes a number of players, from the financial institutions and customers themselves to the wireless carriers and third-party developers of downloadable applications -- is part of what makes mobile so daunting.