When it comes to paying their bills or checking their bank balances, consumers increasingly are relying on their cell phones. More than one-quarter of consumers with Internet-capable cell phones have used them to access banking records, up from 22 percent a year ago. What’s more, 20 percent had used their phones to pay bills, nearly double the 11 percent that had done so in 2009. The findings are the result of a recent survey by NACHA and several other organizations.

While consumer acceptance of mobile bill payment is growing strongly, B2B may not be far behind, according to this story in American Banker. According to the article, cells phones soon may be able to convert checks to ACH payments. That would work well in the B2B space, where checks still dominate. In fact, they account for between 65 and 80 percent of supplier payments, according to a 2007 survey by the Association for Financial Professionals.

Several companies are working to change that. In April, Aptys Solutions of Rockwall, Texas announced the launch of PayHub, which will support mobile payments, among other features. One month earlier, NetDeposit and Mitek Systems, Inc. announced a partnership that would allow financial institutions to offer their business and consumer customers the ability to deposit checks using smartphones.

While the solutions aren’t yet commercially available – and a number of questions about security, reliability and business’ acceptance of them remain to be answered –  they promise to cut time from the check processing system.