What I like about BMO approach is that it immediately works across all handsets. I continue to believe browse based apps that lever HTML 5 will be the winners.

For now they have chosen to go live with this framework. Then when they add new features and functions those will come to all platforms simultaneously.

Bill payment was delayed due to a system wide upgrade. Most interesting though is alerts. Mobile banking needs to be way more than balances and transfers. The ability to lever devices that always with the customer offers greater and new utility that would not be useful on the laptop/web app.

Anyhow, a great start and kudos to the team.