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I think the last point about cross-selling on mobile is valid but at the same time can be debated if it's an effective channel.

Mobile is good for "quick" use enabling customers to access their financial at their fingertip i.e. viewing to simple transactions.

However, if mobile also includes tablet (or maybe phablet), the behavior can be different simply because it's "less" mobile per se. Users are more on discovery, ready to spend sometime for reading, engaging or interacting with information.

Tablet (phablet) probably is a better channel to drive cross-selling on mobile. But to what extend, that's a new challenge.

Your thoughts?