Americans addicted to mobile banking?

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Not the type to do your banking on a phone or tablet? You’re now in the minority.

More than half — 55 percent — of Americans now access bank accounts on their mobile devices two to three times per week, while, according to a new study by the Carlisle & Gallagher Consulting Group, 26 percent use mobile banking four or more times per week, according to a new study by the Carlisle & Gallagher Consulting Group.

Why is that? Part of the answer is that thanks to falling prices and other factors, consumers are carting around an increasing number of mobile devices, says Byl Cameron, digital practice lead for Carlisle & Gallagher.

“Almost everybody has multiple devices and in that multiple-device landscape, you’ve got most people with a smartphone and a growing number of people with a tablet,” Cameron says.

All about convenience

The other comes down to simple convenience, and the increasingly powerful apps put out by banks and credit unions.

“People have an ability to look at their finances, pay a bill, move some money with greater ease and with more immediacy than ever before,” Cameron says.

Indeed, there’s a lot to like about mobile banking. The biggest may be allowing you to manage your checking account balance on the go when you’re actually making purchase decisions that could result in expensive overdrafts.

Maybe that’s why checking a balance is one of the most commonly used mobile banking functions, along with transferring funds, paying bills and viewing statements, according to the study.

Security remains an issue

Security remains the biggest factor holding people back from using mobile banking — 17 percent in the survey said the security of mobile banking makes them less likely to use it.

But that may not remain an impediment. While 52 percent say they do banking on a smartphone today; 62 percent said they expect to use a smartphone for banking within two years.

What do you think? Do you use mobile banking? Why or why not?

Follow me on Twitter: @ClaesBell.