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NewsFactorNetwork: Early next year, Citibank is expected to test a program that lets consumers check balances, pay bills, transfer funds and search for nearby ATMs all from their mobile phones. Citi Mobile requires an access code and operates on an encrypted system. The service can be immediately disabled if a cell phone is lost or stolen. Banks and credit card agencies say they are gearing up security for more financial transactions over cell phones and other handheld devices.
 

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