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Call mobile banking vs. online banking the face-off that isn’t. That is the word from IT experts as they forecast how, and with what, we will conduct our financial transactions in 2012. And for those who had been wondering if they could downplay, maybe even terminate, online banking as more people adopt smartphones, the sharp answer is, don’t even think about that.

“Mobile and online will complement each other,” said Shari Storm, a senior vice president at Verity Credit Union, the $367 million credit union based in Seattle.

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