The document discusses how banks can use mobile technology to move beyond just account management and access. It provides checklists for using mobile to showcase a bank's offerings, create social connections, and acquire new customers. Andres Wolberg-Stok of Citigroup outlines how banks can optimize their mobile apps and presence, integrate social media features, and leverage their mobile offerings as a way to advertise to potential new customers. The overall message is that mobile represents an important opportunity for banks to strengthen customer relationships and drive business growth.