Today you can do nearly all your banking by using your smart phone. Many of the major banks allow you to pay bills or transfer funds with a smart phone. Experts say that about 70% of Americans will use a mobile banking service in the near future. But some of them are worried about the safety of the mobile banking service, ff you are to do banking frequently with your smart phone, you should get antivirus (防病毒) software and set a password on your phone.