Cellphone Banking Is Coming of Age - New York Times
The banks take their online mobile. I see cell phones as a extension of the laptop when it is inconvenient to tote the whole thing around. No doubt Intuit will come up with a way to sync the desktop Quicken with yet to be developed cell phone Quicken (they already have mobile/PDA based).
What I think is a ways off, but were we should be going, is to base all of this off some XML and an established security standard. That way we don't have to deal with Citibank and Bank of America's different web sites and applications, rather, it is all driven by a third party client (like Quicken).
From my own experience, Quicken (desktop), is almost there. It is really a matter of the banks building the technology into their online banking systems. However, I don't think it is ready for full blown "controlling" of your bank account. I would just like to see all this interaction be streamlined in a single interface. Downside being less innovation from the banks building new ways to bank online.