Just as one format for mobile banking enters the mainstream, another form is beginning its stampede across the financial services landscape.

The word among some industry leaders is that, suddenly, apps for tablet computers are a must- have. Transformational as mobile phones have proven, the changes now are accelerating with tablet computers such as Apple's iPad and Amazon's Kindle Fire.

"Mobile is a member service. And our members have told us, very plainly, that they want us to offer tablet apps," said Sonya McDonald, a senior vice president at $5 billion Randolph-Brooks Federal Credit Union in Live Oak, Texas.

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