$1.$ What benefits does mobile banking provide to consumers? Why haven't many consumers adopted mobile banking yet? $($Be sure to explain your thoughts and remember that you are thinking about this at the time of the case.$)$

$2.$ What lessons can the bank learn from its online banking operations? What are the costs and benefits of having customers migrate to online banking. Be sure to explain your insights.

Please write in paragraphs rather than using bullets since your explanations should be detailed. Use $12$ point Times font, $1"$ margins, use heading to organize your thoughts, maximum $1$ single$-$spaced page.