Advantages and disadvantages of mobile banking?

the advantage of m-commerce is: 1- providing wider reach. 2- reducing transaction cost 3- streamline business processes. 4- competitive pricing. 5- reducing time to order. The disadvantages of m-commerce. 1- small screens of most devices still limit types of file and data transfer (i.e. streaming videos, etc.) 2- standards guiding applications and technology development and connection(s) 3- WAP and SMS limited to small number of characters and text. 4- use of graphics limited 5- less functionality for mobile internet over mobile phones and existing generation of handhelds than for mobile computers (laptops and next generation handhelds) 6- user interface is often difficult to learn how to use 7- limited bandwidth 8- limited roll out of higher bandwidth mobile networks and devices (i.e. 3g networks and wireless broadband networks are predominantly located in cities) 9- cost of establishing mobile and wireless broadband infrastructure 10- technology constraints of mobile devices (memory, processing power, display capabilities, input methods) 11- security of data moved across some mobile and wireless networks 12- businesses investment in hardware and infrastructure is seen as riskier as rapid evolution of mobile and wireless technologies continues.