Mobile enrollments made some major leaps this year, surpassing even computer enrollments.

According to a study from IDology, an identity verification and fraud prevention company, 61% of Americans used a smartphone to enroll in some sort of an account this year, while 56% used a computer or laptop. The study also found a 19% jump in people quitting an enrollment because of friction, and it noted that 51% of people called their mobile number an important part of their identity, the same as their passport and home address.

IDology asked respondents about all types of accounts, not just bank accounts, but the study still has implications for financial institutions. Challenger banks such as Chime are trying to position themselves to win over the mobile-enrollment generation.

“For us, it’s the lifeblood of our growth,” said Zachary Smith, the head of product at Chime, in an interview with Bank Innovation. “Americans are spending more and more time on their smartphones. It’s only natural that they’ll look to those phones for new services and to sign up for those services.”

Chime has a whole team experimenting with the sign-up process to figure out where the pain points are. The enrollment process requires certain information from customers, and Smith’s team spends a lot of time figuring out how and when to ask for that information to make it less invasive while still complying with regulations.

According to Smith, traditional banks still have a lot of friction in their enrollment process. However, Jose Luis Elechiguerra, the head of business development at BBVA Compass, said seamless enrollments are a priority. He points to the BBVA Green Button in the bank’s mobile app, which allows customers to see what accounts they can apply for. Customers then can complete those applications from their smartphone with the information pre-filled. He noted that even people who don’t bank with BBVA can download the app and apply for an account.

“For us, mobile has become a platform by which we can manage our relationships with our customers and prospects in the way they want to interact with us, which is in an increasingly digital–and mobile–manner,” Elechiguerra said in an email to Bank Innovation.

The study surveyed 1,499 people from the U.S., and IDology claims the study was indicative of Americans over 18 years old who are online.

“Consumers value security, but they also hate friction,” said John Dancu, CEO of IDology, in an email to Bank Innovation. “Financial institutions need to think about how they can streamline processes as much as possible, while introducing the right amount of friction at the right time, to fulfill the need for identity verification without driving away customers.”