When Wells Fargo offered text-message banking services to both online and non-online banking customers in a recent offering, it revealed a major step in distinguishing mobile from Web banking, a goal long discussed and now being put into practice.

"There's a whole group of customers for whom text banking is very attractive, and these are customers whose lives don't revolve around a PC," says Arah Erickson, Wells Fargo's head of retail mobile banking.

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