You're starting a two-week vacation far from home when you suddenly realize you left the mortgage payment on the kitchen table instead of mailing it on the way to the airport. Or perhaps you’re standing in the checkout line of a store, poised to make a debit card payment, but you can’t remember if you have enough money in your account to avoid expensive overdraft charges. It doesn’t happen often, just frequently enough to be annoying and costly. But cellphones may be the solution for a number of banking problems.

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