The expansion in context of the past Percent change from trough  160  2.0 1.0  150 140  1982  130 120  1970 1954  1958  110  -2.0  2009  5  9  13 17 21 25 29 Quarters from trough  33  1949  -5.0  37  Source: Department of Commerce, Bureau of Economic Analysis.
It is, therefore, important to pay sufficient attention while procuring / implementing any new devices/ solutions. Cyber criminals are also increasingly exploiting the vulnerabilities in the smart phone software by infecting the Operating systems with malware. The banks which are big on mobile banking as a service delivery tool must also look to guard against this emerging risk. 22.