Call this the most hotly debated topic in mobile banking for 2013: Does your institution need a tablet app?

Fact: Tablets have become ubiquitous. Research outfit BI Intelligence put 2012 tablet sales at over 122 million worldwide.

Fact: Although phone apps can be pressed into service on tablets (that is, an iPhone app usually will run on an iPad), it's not a happy experience. The use case of mobile banking on a smartphone revolves around short bursts of transactions or information gathering. On a tablet, a user typically is inclined to longer sessions, with more in-depth explorations. That's why true tablet apps are winning fans.

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