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It seems strange that banks would want to push their users to sign-up online, when the service they're offering will be used over the phone.
It's not going to help out with the trust in the system (http://www.thoughtden.co.uk/blog/2008/05/29/mobile-payments/), because with the site being the first point of contact they'll assume that's where they have to go to sort problems, handle their profile and other services. Where as they really should be dealing with these situations on their phone.
Dan Course : http://www.thoughtden.co.uk
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