The convenience of not requiring consumers to sign up for Web banking in order to access information electronically literally hits home for Allison Landers.

"I find myself not wanting to have to power up my laptop sometimes at night if I want to get information," says Landers, SVP of the online and mobile channel at KeyBank, which recently extended mobile phone banking to non-Web banking customers, a move that allows the bank to offer a low-cost automated financial services channel to consumers that use mobile devices more than PCs. "Mobile penetration is so much greater than PC penetration. Pretty much everybody has a phone but not everybody has a PC," Landers says.

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