However, any customer who wishes to use the mobile banking services must be set up in online banking. Mobile phones lack the level of anti-virus. The browsers that run on mobile phones must work on a very small screen. The Citi Mobile interface provides access points into account information and activity, payments and transfers. This information is necessary because the Citi Mobile application must be customized to the make and model of the phone. Not only that, the application must be customized to each mobile phone on which it will reside, greatly increasing development costs.