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Most legacy vendor applications were designed for an era when employees accessed information within the financial institution’s four walls. Bringing legacy applications into the mobile era is a challenge for even the most experienced vendors, as each financial institution’s information technology has its own distinct character, fraught with unique obstacles and peculiarities that must be accounted for in order to keep security uncompromised. None of the browsers available today on highly mobile systems - and this includes the terrific browser on the iPhone and iPod Touch - is the equivalent of a desktop browser. Point 2 concerns the fundamental lack of compatibility between different browsers of any form, and the moving target that Web standards are and will likely remain for some time. I certainly don’t expect all browsers or their user interfaces to become standardized, but the protocols we use must be. This is apparently what Apple Inc. is going to do with the iPhone, in response to both demands from developers and hackers looking to exploit the interfaces that of course exist but are undocumented. This situation is almost certainly going to improve, but advances in the Web-services delivery model, wired or wireless, will be slow until then

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