Before my bank was Web-enabled, and before it even offered any kind of online banking via Quicken or Microsoft Money, it had an IVR-based bank-by-phone service that was actually pretty convenient, and worked fine for things like checking balances, transfers, making payments and other simple tasks. It was killed as e-banking moved to the Web, but it’s still difficult to do even simple financial transactions from a mobile phone. Now, we’re seeing Citibank, BoA and others start to launch mobile banking on mobile phone screens. My bank is not yet on board, but I’m sure won’t be far behind.