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Apps, cloud, and expectations to make smart phones "smarter than you"
Younger customers seen using devices farther and wider
New alliance program gives merchants tools and resources to accommodate wallet
Security concerns, lack of a compelling reason seen blocking acceptance
Cost is lower that basic checking account fee
Already, 12.5 million Americans use mobile bill pay
Survey shows 50% increase in mobile banking; double- and triple-digit growth in online sales
Push notifications not only provide alerts but offer immediate options to take responsive actions
Customers prefer to deal with their banks but will go elsewhere if not satisfied
Financial institutions in developing countries finding ways to teach domestic banks a thing or two

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