In order to keep pace with economic evolution, market participants will develop a multitude of strategies – some successful, some less so. Ultimately, all institutions will develop different versions of the triad – but in general, operational processes have to be made much more efficient, while business models have to be rethought, 5/6  BIS central bankers' speeches  and in many cases revamped.
Mobile phones as a delivery channel have a great potential if the security and cost aspects are addressed for it has to serve a large number of transactions that are small in size.