Gen Y consumers are most likely to see value in mobile wallets, with 39% of Gen Y respondents citing mobile wallets as extremely or very valuable compared to 21% of Gen X, 18% of baby boomers, 14% of traditionalists, and 3% of the total population. Potential for remote deposit capture resides most with Gen Y consumers, with 31% of Gen Y respondents indicating they are extremely or very likely to use remote deposit capture compared to 18% of the total population and lower percentages for other generations. The top five banks and credit unions have the highest mobile penetration rates, with over 60% of their customers having a smartphone or tablet compared to around 50% of customers of community banks and regional banks, and