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Nearly half of consumers, 46 percent, were considering financial resolutions for 2013, according to the fourth annual New Year Financial Resolutions Study from Fidelity Investments. The top three specific resolutions were to save more (52 percent), spend less (19 percent), and pay off debt (19 percent).

Luckily, technology and digital tools have made it easier to organize, prioritize, and achieve financial goals, specifically with the growth of mobile banking. Several financial services representatives spoke to Madame Noire about digital tools for personal finance and mobile banking was the most popular topic by far.

“Without a doubt, mobile continues to be a huge area of growth,” said Vince Maniago, group product manager for personal finance company “What that really means is not only are more people managing their finances exclusively on their mobile devices, but they are visiting their finances more frequently and for less amounts of time.”

Bridget Braxton, VP of corporate communications at Wells Fargo, agreed, noting that the company saw a 33 percent increase in mobile banking customers in 2012 and that nine million Wells Fargo customers use mobile banking. Mobile deposit, she said, was the most-requested feature, and the company just launched an iPad-specific application that customizes the experience for the tablet.

While mobile banking is hot, the addition of more cloud computing by the average consumer has helped take personal, and even small business, finances to a new level, said Adrian Parker, group manager of social, mobile, and emerging media for the Accounting Professionals Division at Intuit.

“In real time, customers can access their purchase behaviors and decide how much to spend,” Parker said. “The cloud has no borders, mobile has no boundaries, so managing money and life decisions is now literally in the palm of your hand.”

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