S. consumers buy smartphones, mobile banking's market penetration is expected to exceed online banking's, which currently is about 50 percent, by 2015, Ms. Epperson said.

随着越来越多的美国消费者购买智能手机，移动银行的市场占有率有望在2015年超过网上银行，网上银行目前占50%的份额，Epperson女士说。

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One of the great advantages of mobile activism is that mobile phone penetration globally is actually greater than the level of broadband and web access around the world.

手机行动主义的其中一个最大优点就是手机在全球的渗透力要比宽带和网络通道更加强悍。

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In the past this has also meant that gauging the size of the market was difficult and the apparent 80% penetration rate given for mobile-phone use is probably too high.

这也意味着要衡量过去的市场规模是困难的，而且帐面上的80%手机持有率也许是被高估了。

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However, he warned that intense competition, changes in the telecommunications market and increasingly high mobile penetration could limit growth.

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"As mobile penetration growth begins to slow, smartphones are becoming a significant driver of incremental unit growth for the broader handset industry, " he said.

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As mobile penetration is slated to increase in the future, we expect to see a higher proportion of online travel searches done using mobile devices.

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