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Wap-based mobile banking

Wells Fargo & Co. launched a Web-based mobile banking application Tuesday, officials announced.

The San Francisco-based bank piloted three different consumer mobile services before today's national rollout.

The new service allows customers to check account balances, view transaction histories and transfer money between Wells accounts through a Web-enabled mobile device.

"Customers' financial needs are time-sensitive and complex, and we considered this when we built our solution for mobile devices," said Jim Smith, executive vice president and head of Wells Fargo's Internet Services Group.

In May, Charlotte, N.C.-based Bank of America became the first bank in the Valley to offer mobile banking services to consumers. That same month, Wells Fargo introduced its CEO MobileSM service to a select group of businesses customers.

Wachovia Bank launched a mobile consumer service last year, while Citigroup Inc. plans to offer a downloadable mobile banking application later this year.

JPMorgan Chase & Co., which has a major presence in Arizona, is researching mobile options but hasn't brought a service to market yet.

Wells Fargo also is working with Visa USA to pilot consumer mobile payments, leveraging Visa's payWave contactless technology.

This year, U.S. businesses are projected to spend $3.8 billion on mobile and wireless custom-coded and packaged applications.

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