BTN: What's in the new mobile app?
Nagel: We just released our first version, so it's pretty straightforward transactions for retail customers. There's the normal balance transfers in addition to mobile deposits. We'll add bill payment later. Right now we wanted to get it out there.
 A number of banks have been offering mobile for some time. What made you decide to get in now?
We've been trying to get a mobile platform out there for a while. There initially was a vendor that didn't work out, and then there was an online banking vendor app that didn't meet our requirements. Now it's become part of our long-term strategic IT plan to increase function in every channel, and to make the mobile device more transactional. mFoundry is the [mobile tech provider]. They integrate directly into our core system, so we leveraged their platform for the mobile application and our core system for transactions.
 How does mobile fit in with other channels?
The other additions we just made include image-based ATMs, which [strategically pair] with image-based mobile deposits. It's a convenience play and it's also less costly than other channels. We will be adding additional transactions, since our customers are favoring digital channels. Up to 30% of our customer footprint is now going to electronic channels.
 How do the "smart" ATMs work?
We just finished upgrading our entire ATM network so they are all image-based. So customers can scan checks and it will make deposits, working like mobile remote deposit. There's a low volume right now, but the convenience factor should lead to an increase.
 Are there other technologies embedded in the mobile device that you find promising?
The most common is the location-based capability. We can see it used to find branches or ATMs. Using the phone to execute person to person payments is also something we're looking at.
Are we interested in becoming an issuer for near-field communication (NFC) contactless payments? We're keeping an eye on it to see what the industry does, what kind of direction the market takes in terms of a tech model. mFoundry did the Starbucks and BofA [NFC payments apps], so we would be able to move quickly.