Customers are ready to acquire their banking products through mobile. And banks are preparing too — just very slowly.

The top area of “mobile readiness” is, naturally, personal banking products. In 2017, overall 43% of personal products at banks are capable of being opened or applied for on a mobile device, up from 31% in 2016, according to a State of Digital Sales Report for 2017 by FI digital customer acquisition company Avoka.

Banks also showed progress in mobile sales capabilities for wealth management products–well, most of them, anyway.

Wealth management products, offered on mobile, have remained stagnant for North America, with no change in 2017 from the 7% mobile readiness rank marked in 2016.

State of Digital Sales in Banking study, released today, examined the digital mobile application experience at the top 10–12 banks in each of North America (US and Canada), Europe (UK, France, Germany), and Australia.