Are you attached to your Blackberry? The first to download the latest app on your iPhone? Well Javelin Strategy & Research is now showing for 44% of banking consumers, the mobile browser is the most widely used of the three channels-including web browser, application, and SMS texting- and is perceived as the most secure. Mobile bankers with smartphones view the browser as an extension of online banking. However, banking using a downloaded app is the second most widely used channel and actually the safest for mobile bankers, with 25% of consumers using this channel. App banking has the potential to replace online banking altogether and serve as the consumerâs primary access to the bank.