Sometime in the next two years, smart phones will begin to outsell both standard cell phones and PCs. During that same period, according to the 2010 ICBA Community Bank Technology Survey, 45% of community banks will capitalize on the opportunity by making mobile banking their top technology priority. You need to start with a deliberate strategy of what you want to do in the mobile channel, says Calvin Grimes, mobile solutions product manager for Fiserv, the Brookfield, WI-based banking services and technology provider. Decide what services, features or capabilities to offer, which customers to serve and which "platforms," or devices, to support. According to Javelin Strategy & Research, in Pleasanton, CA, security is a top reason four out of five consumers haven't tried mobile banking. Minimum security requirements for mobile banking include not storing authentication information on the phone and having the mobile application handle communication encryption. Industry observers agree that the most revolutionary mobile banking services are only just now arriving or still to come.