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Disadvantages of mobile banking.These days there is nothing that you cannot do with a Smartphone. Previously mobile phones were for mere calling and messaging, but these days they are high tech gadgets, nothing less of a computer. You just have to name the task and a mobile phone completes it. Mobile banking is one of the wonderful task that can be done using a mobile phone. Mobile banking is a technology which allows cell phone users to access their bank accounts right from their mobile phone. Though there are many advantages there are some disadvantages too to the mobile banking. Here are a few disadvantages of mobile banking listed.