A Cisco report on mobile growth projected that there will be 5.5 billion global users by 2020, up from 4.8 billion in 2015. The benefits of the mobile channel are obvious, including easy, intuitive, on-the-go access to a number of services, such as communication, shopping, online gaming, health care and banking. Over 40 percent of respondents acknowledge that they experience mobile-related fraud and are taking necessary precautions. Organizations are not yet individually tracking the various access channels and are assessing the digital channel (both web and mobile)”]