A survey of 15 top U.S. banks and credit unions found when it comes to mobile payments -- using smartphones like the iPhone to pay for goods and services -- most are content to sit on the sidelines and see how this emerging technology platform plays out rather than take a leadership role that companies from other industries have quickly assumed.

The survey, conducted by Forrester Consulting on behalf financial technology and services provider Fiserv, concludes that while most of the top U.S. financial institutions have clearly outline and articulated their mobile banking strategy and plan to support more mobile devices and platforms, they're not nearly as certain about their mobile payments plans.

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