An increasing number of studies are indicating that consumers are getting more relaxed about using their mobiles for a variety of banking transactions. One recent study for Intelligent Environments illustrated this particularly well even producing a profile of different smartphone users. So which one are you?
iPhone profile: the 'adventurous' smartphone user
· The heaviest and most 'addicted' smartphone users with 43% spending more than 2 hours a day on their phones versus 33%of Android and 31% of Blackberry owners.
· Most likely to jump on their phones once they wake up (23%) and before they go to bed (26%) compared to other smartphone users. Also, favourites to regularly use their smartphone while on the loo (35%).
· Eager to access banking services via their phones: 69% would check their balance, 46% would pay their bills and 62% don't mind transferring funds, all through their mobiles.
· Still debt-laden: 17% admit that their main bank account is always overdrawn, compared to an average 11%of all Britons.
BlackBerry profile: the 'sensible' smartphone user
· Not 'obsessed': many (38%) spend less than an hour on their phones in a day
· Still more prudent with their cash compared to other smartphone users: only 14% say they are always overdrawn, compared with Android (17%) and Apple (17%), and now more BlackBerry users (55%) never go into the red than a few months ago (49%).
· Least inclined to want to receive special banking offers via their phone: 4% compared to 12% of Android users and 17% of iPhone users.
Android profile: the 'unpredictable' smartphone user
· Spend less time on their phone during the morning: 14% versus 15% of Blackberry users and 22% of iPhone users.
· But most likely to jump on their phone straight after leaving work, comparing Android (30 per cent), iPhone (26%) and BlackBerry (22%) users.
· More likely to be "always overdrawn" than a few months ago: 17% in July versus 14% in March.
· Keen on 'wave and pay' purchasing: 27% would swipe their phone across a payment reader to pay for goods compared to an average 13% of all Britons.
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