ANZ's mobile banking app is struggling to remain competitive with the offerings of its major rivals, an evaluation of Australian mobile banking by leading consultancy Forrester concludes.While ANZ chief executive Shayne Elliott is endeavouring to position his business as a digital juggernaut, Forrester analysts Zhi Ying Ng and Tom Champion conclude that his company is a laggard in the mobile banking market.The findings from Forrester land at an uncomfortable point in ANZ's wander through the passages of digital and disruption in banking.Elliott "has been confirmed as the opening speaker at Sibos 2018 Sydney," the organisers announced this week.A once-staid, global annual festival for banking and IT cross-border payments nerds, this year's Sibos event seems bound to be overrun by fintech fanatics. And the ANZ CEO may be pushed at some point to consider his bank's story so far around this year's Sibos theme, 'Enabling the digital economy'.For his part, Elliott has for now no real story to tell on the New Payments Platform, nor all that much to brag about on Apple Pay.Matthew Comyn, one of those in the NPP early on, is the Australian bank CEO with a shinier story to tell on the digital front.The comprehensive assessment by Forrester of the functionality and user experience of mobile banking apps offered by the Big Four Australian banks found that Commonwealth Bank was a clear market leader."CommBank's mobile banking app combines exceptional functionality with best-in-class user experience," the Forrester analysts stated in their report."Customers can not only pay a bill by taking a photo of it, but also set up future payments, get notifications when new bills arrive, and receive electronic bills directly in the app."CommBank provides an intuitive journey with easy navigation, careful use of design elements, and thoughtful language."Forrester assessed the quality of the major banks' mobile apps against 35 functionality benchmarks and 29 user experience criteria.CBA was ranked number one with an overall score of 79 out of 100 against all of the benchmarks.NAB's app was ranked second with an overall score of 69 followed by Westpac (60) and ANZ (47)."The experiences that Australian mobile apps deliver vary considerably across banks from both the functionality and user experience perspectives," the analysts found."CommBank and NAB have both impressive functionality and user experience; Westpac is superb in one area but not the other; and ANZ must improve in both."CBA's app achieved a perfect score of 100 for "login and security" compared with 78 for Westpac and 70 for NAB.ANZ appeared to fail this important functionality benchmark, scoring a mark of only 40, while the quality of self-service features offered by the ANZ app was measured at only four out of 100.A plainly branded ANZ app is the replacement of the bank's goMoney app, one of the better Australian bank offerings in the early days of app uptake in the mid 2000s.ANZ's overall functionality was measured by Forrester at 37 - significantly below the offerings of the other banks: CBA (85), Westpac (79) and NAB (67).Westpac the consultants assessed as the worst