With Apple's App store offering more than 100,000 iPhone apps and competitors such as the Android Marketplace clamoring to catch up, it's no surprise mobile apps are hot -- but for developers, the question is: Which ones?

Research firm Gartner today released its list of the top 10 consumer smartphone apps for 2012, based on the following factors: impact on consumers and industry players, revenue considerations, loyalty, business model, consumer value and estimated market penetration.

At the No. 1 spot on Gartner's list of top mobile consumer apps is money transfers, followed by location-based services (LBS) and mobile search. In the fourth spot is mobile browsing, while mobile health monitoring checked in at No. 5.

Making the cut in the second half of the list are: mobile payments, near-field communications (define), mobile advertising, mobile instant messaging and mobile music services.

Get the full story here at InternetNews.com.