Which of the below are features of mobile banking?

The correct choice highlights one of the primary benefits of mobile banking, which is the ability to make purchases or payments directly using your cell phone. This feature allows users to engage in financial transactions with convenience and flexibility, enabling them to manage their finances on-the-go. Mobile banking applications often provide users the capability to link their bank accounts to payment platforms or digital wallets, facilitating easy payments at stores, online shopping, or transferring funds to others.

The other features mentioned do not capture the full extent of what mobile banking typically offers. For instance, simply viewing account balances is a basic function but does not encompass the interactive and multifaceted capabilities of mobile banking. Transferring money specifically to bank branches is also not a typical feature of mobile banking, as most transactions can be completed digitally without the need for physical bank interactions. Finally, limiting transactions to preset ones restricts the versatility and adaptive functionalities that modern banking apps provide, which allow for various types of custom transactions based on user needs.