Here I am not just talking about the mixed miracle of mobile banking and mobile payments or being able to take a picture of a check with a smart phone and it appearing in my checking account. That’s a topic that is amazing in its own right and worthy of a separate speech.
I am talking about encouraging banks to pay attention to the banking experiences of their customers and finding process improvements or service elements that may lead to something seemingly mundane but valuable nonetheless. 8  See Federal Deposit Insurance Corporation (2012), 2011 FDIC National Survey of Unbanked and Underbanked Households (PDF).