Mobile Banking

I've, for the time being at least, convinced my colleagues here at the credit union that mobile banking is not yet worth the time and expense. I know being able to access your accounts via your phone's browser or SMS is the latest next big thing but I'm not seeing it. Here are my problems with it:

• More members use our phone service than Internet banking for balance inquiries and transfers which tells me members are already using their cell phones to manage their accounts.
• Members that are likely to use mobile banking are also very likely to have quick access to a PC with high-speed Internet access and can put off whatever they need to do until they get back in front of it.
• The iPhone has shown what the next generation of phone browsers is going to look like and they aren't going to require optimized sites.

I don't think I am looking at this from the perspective an old timer fighting progress. I just think the technological advances coming for cell phones and the increasing ubiquity of high-speed Internet access make mobile banking a costly stop gap measure.