The first benefit the mobile banking offers is that you can use the bank service at any time. When you are traveling, you may not have access to a bank of ATM machine. However, if you have a cell phone, you may be able to set up mobile access for your bank account so that you can check your balance and transfer funds while on the road. Account security is another key benefit for mobile banking. While you are making transactions in business trip, you can also check your bank account on your cell phone for unauthorized transactions. To avoid that when you are getting home from a long trip, you discover that may have been a victim of fraud. Paying bills are the third feature of benefit. In current working environment, people are busy at work during the weekday, and therefore they may not have chance to handle their bills. Mobile banking offers a platform to access your bank account to pay your bills, such as utilities, credit card payments, and auto insurance. The last feature of benefit is that mobile banking offer complete security. People may wonder that what if cell phone is lost or have been stolen, the mobile banking will not as attractive as it should be. Thus, mobile banking encrypts your information, and adds more security on your account, which the service must be set up from a computer. Moreover, the phone can only store limited personal banking information, in case the phone is lost or stolen. Even though mobile banking offers so many conveniences, many consumers still don not see the need for mobile banking, and many of them also are skeptical about the level of security around banking with their phone. Among users of mobile phones who have not yet adopted mobile banking, about half said that they were concerned about the security, the