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Considering that the average cost per consumer transaction at a brick-and-mortar bank is $4 compared to just $.08 on a mobile device, banks should be strongly incentivized to convert more of their customers to the mobile channel. But how successful are they in that endeavor? Kobie’s president, Michael Hemsey, believes banks can and should do a lot more. In the second of a three-part Q&A series based on an interview with the Credit Union Times, Michael reviews which industries are....