| Will i-mode save Mobile Banking in Western Europe? |
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| According to a recent report by Celent, there are currently about 5 million users of mobile financial services in Europe. Recently, i-mode services have been imported from Japan, and a number of banks are offering i-mode services now, hoping that it will lead to more rapid growth in terms of usage. http://www.celent.com/PressReleases/20031023/MobileEurope.htm |



