Mobile channels Doreen Kelsey Consulting Services 2012 All Rights Reserved 27  Adoption of mobile banking accelerating  15% of all HHs  34% of credit-driven (young, high income)  Shifting from information to transaction based  Continued foray into payments space by PayPal, Google, Yahoo, Dwolla and more  Industry experts predict cards obsolete in 3-5 years  Checking accounts also may become obsolete
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