SAN FRANCISCO -- If you're annoyed by a constant stream ofpeople chatting on their cell phones as you walk down the street ortry to enjoy a quiet meal in a restaurant, you may want to seethose phones as a business opportunity.

A study by Celent estimates 3% of all households using onlinebanking in 2007 will also use some form of mobile banking. In 2010this figure is projected to rise to 30%, or 17 millionhouseholds.

Some other points from the study:

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