I have red yours absolutelly nice article!
I am very impressed how good you can forecast what is happening.
I am writing “is” because we have developed the Messenger Based Mobile Banking platform that is running and can be adopted by almost any bank!
I ask you to check the link www.chatbank.net next week (starting from March 29) when the site will be finished! I am quite sure you will feel proud most issues you have written about are already “alive”.