I think this is true. Since mobile every company has been praying for and betting on the next paradigm (voice, watch, glasses, VR, AR) but nothing has moved the

I think this is true. Since mobile every company has been praying for and betting on the next paradigm (voice, watch, glasses, VR, AR) but nothing has moved the needle in a major way. I think there is a lot of visionless drift right now, and banking is another most likely fruitless direction tech will drift into. Lots of media hype, mediocre traction (as with all the alternative paradigms listed above). Hats off to FB though, I think their perspective is the only innovative one out there.