1. An apparatus for switching a mobile user device between restricted-access applications that are accessed over a computer network, the apparatus comprising: a processor; and one or more stored sequences of instructions which, when executed by the processor, cause the processor to carry out the steps of: switching a mobile user device between restricted-access applications that are accessed over a computer network, the method comprising: providing first information, via a mobile user device, to enable access to a first restricted-access application; storing in memory on the mobile user device a first authentication key authenticating access to the first restricted-access application; storing a first restricted-access application page of the first restricted-access application in the memory in response to a first user indication, via the mobile user device, to navigate away from the first restricted-access application; providing second information, via the mobile user device, to enable access to a second restricted-access application; displaying from the memory the first restricted-access application page on the mobile user device in response to a user indication of navigation back to the first restricted-access application; and providing the first authentication key from the memory to enable access to the first restricted-access application.