Contents:

Overview Primary Questions Findings and Analysis Methodology Executive Summary / Recommendations Financial Alerts: A Building Block for Mobile Banking and Mobile Payments Javelin’s Vocabulary of Alerts The State of Alerts Today: Who Gets Them and How Often? Many Consumers Value Alerts But Cannot Get Them Help Customers Adjust Alerts On the Fly Which Alerts Do Consumers Value Most? Bring Mobile Alerts to Life Through Advertisements Three Reasons Alerts Make Business Sense Q&A With Visa: How Its Experiment With Alerts Could Redefine ‘Real-Time’ Appendices Table of Figures Figure 1: U.S. Adults Who Have Received Financial Alerts in Past Year Figure 2: Javelin Forecast: 81 Million Consumers Will Receive Alerts by 2013 Figure 3: Last Time Received a Financial Alert by E-mail (By Generation) Figure 4: Last Time Received a Financial Alert by Text (By Generation) Figure 5: Last Time Received a Financial Alert by E-mail (By Income) Figure 6: Security Scorecard: What Alerts Do Financial Institutions Offer? Figure 7: Usefulness of Financial Alerts to Prevent Fraud (By Generation) Figure 8: Consumers Consider Self-Set Limits and Prohibitions to be Effective Tools Figure 9: Alerts That Consumers Value Figure 10: Most Consumers Say They Share Responsibility With Banks to Protect Accounts Figure 11: Consumers Monitor Accounts More Vigilantly Because of ID-Theft Worries Figure 12: Customers Take Action When They Receive a Financial Alert Figure 13: Consumers Who Received Financial Alerts (2004-2007) Figure 14: Financial Alerts Offered by Top 5 U.S. Banks (2007) Figure 15: What Customers Do When They Receive an Alert (By Age)

Companies Mentioned

Bank of America Rhapsody Chase Visa Citigroup Wachovia Apple, Inc. Wells Fargo Netflix Yahoo! Music Quicken Beam Mobile