Just as mutts and corn seeds are made stronger by their crazy-quilt heritages, electronic devices show their strength in the number of different ways they are broken up and recombined with other gadgets. Radios and TVs started as furniture but have become ubiquitous, crammed into cars, microwaves, computers and portable stereos. Likewise, computers are leaping off desktops and into devices such as PDAs and mobile phones. But phones are going to become more ubiquitous and much more important to the next wave of e-commerce growth than any of those other gadgets. The gadgets aren't nearly as important as the potential lurking within them.
Customers like to be connected.
Financial services companies have found similar effects. The overall imperative is to get your customer talking to you and talking to you often. Multiple interactions will be beneficial to retention. Unlike the computer, the phone is always available, always running. The psychology of buying and selling is totally different when people have a device with them that is always live.