Some common features and functionalities of mobile banking include:

• 1. Account Management: Users can view account balances, transaction history, and details of their various bank accounts, including savings, checking, credit cards, and loans.
• 2. Fund Transfers: Mobile banking enables users to transfer funds between their own accounts, make payments to other individuals or businesses, and set up recurring or scheduled transfers.
• 3. Bill Payments: Customers can conveniently pay bills, such as utility bills, credit card bills, and loan installments, using their mobile banking apps.
• 4. Mobile Deposits: Some mobile banking apps allow users to deposit checks by capturing their images through the mobile device's camera. This eliminates the need to visit a physical bank branch.
• 5. Alerts and Notifications: Users can set up personalized alerts and notifications to receive updates on account balances, transaction activity, bill due dates, and other banking-related information.
• 6. ATM and Branch Locator: Mobile banking apps often include a feature to locate nearby ATMs and bank branches, providing convenience in finding banking services.
• 7. Security Measures: Mobile banking applications employ various security measures, such as secure logins, encryption, and two-factor authentication, to ensure the safety of customer data and transactions.

Mobile banking offers convenience, accessibility, and flexibility, allowing customers to manage their finances anytime and anywhere. It has become increasingly popular as smart phones have become more prevalent and internet connectivity has improved. However, it's important for users to follow best practices, such as using secure networks, keeping their mobile banking app up to date, and practicing good password hygiene, to protect their financial information.