1. Build New Mobile Banking Apps
   1. (-) Reprioritizing critical bank technology resources from other important business areas such as online and ATM.
   2. (-) Costly
   3. (-/+) Consumers reasons for not using mobile banking
   4. (+) By 2014 30% of bankers will be using mobile banking
   5. (+) 60% of using online banking are interested in using mobile banking at least once.
2. Increase Functionality of Current Mobile Banking Apps
   1. (-/+)Competitors are already doing this, and may have the upper hand
   2. (-)Complexity could slow down user expereince
   3. (-) Unclear if users are ready to sign up for credit cards and mortgages via mobile banking apps
   4. (-/+) Most active use of mobile banking was debit card holders
   5. (+) Create new uses for expereinced users
   6. (+)Customers who access and pay bills online show highest benefit to B of A.
3. Refuse to Add Complexity to Current Mobile Banking Apps
   1. (-)The industry is only changing, could hinder growth of B of A's mobile banking market
   2. (-) Will need to enhance the user exprience for the
   3. (+) 15% of mobile users have smart phones, while 85% have regular phones with no data
   4. (+) Inexpensive