i disagree. Lobbying and all can come later. Any bank who decides to take advantage of this new mobile channel both to engage their customers and are able to ge

i disagree. Lobbying and all can come later. Any bank who decides to take advantage of this new mobile channel both to engage their customers and are able to get a customer to change his payment modalities, they can recapture the mindshare they are losing today to the likes of Google and Square. Doubtful if these financial institutions are as prescient to realize the disruptive forces currently in play in the financial sector, but if they do then they can stay relevant.