A report from Austin, Texas based Malauzai Software – based on data derived from users of itsmobile banking applications – indicates clear differences in howmembers user iPads and how they use smartphones.

That is not unexpected, given the substantial difference in formfactors – size mainly – but the Malauzai data puts concrete shapeon what the differences are.

One huge surprise: iPad login attempts fail 27% of the time,compared to 15% on smartphones. Said Malauzai in its report, “Wespeculate that this is because many tablet end-users are lesscomfortable with their on-device keyboards, which can make anend-user stretch to hit keys, especially when they are trying tohold the devices in their hands.”