Forget ATM machines. Financial institutions that want to stay competitive are going to have to work the phones if they want to hang on to their customers in the future. That is to say, they’ll have to make their services accessible by smartphone.

That, at least, is the word from Intuit, Inc., whose subsidiary unit, Intuit Financial Services, today announced a new mobile banking application that makes it easier for owners of Android smartphones to manage their finances from their phones.

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