Everyone is talking about mobile payments and mobile banking. I was talking about it as a core strategic area back in 2004. So it took about five years to become the mainstream bank conversation. Now, I talk about social payments and social banking. I've been talking about this as a core strategic area since 2008, so it will be 2013 to 2014 when most banks get on the train. Interestingly, however, many already are, with American Express being up there on the top of the heap for social interactions. If you want to know what it is up to, then go checkout the Amex social media page and its links to its Facebook, Twitter and other activities.
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