I beg to differ... I don't know about the banking apps but right NOW m-deejay's kernel is all around better than Lee's 3.1.6 or wutever in ALL areas! I try EVERY kernel each one of them puts out. microcell connection is solid, Wi-Fi is solid as well. data speeds are purely based on each users geo and which APN they are connecting with. as for battery, I'd say battery it seems the same between the two for me but I'd say if the m-deejay UNITY kernel had less battery life, it would probably b because it WORKS and cell/data/WiFi connections allow for more productivity on the phone. btw, LeeDrOid kernels do NOT function properly with 2-way calling and they make the phone laggy as hell