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SAN CARLOS, Calif. — As credit unions consider whether to add the mobile channel, the question is often which of the three modes of delivery to adopt.

To mobile self-service strategies specialist Richard Crone, whether to go with SMS (simple message service or text messaging), a mobile Web service or a downloadable application that resides on the device is significant but may beg the larger point.

The prize to keep an eye on in the mobile services arena, Crone said, is bill pay, the second in what he sees as the three waves of mobile services (the first is mobile banking; the third, mobile marketing.)

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