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Why blame banks alone? Tech vendors have their own role to play for banks to transform their legacy applications. 

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The number of references to NFC in the video got me wondering if it was an ad for NFC rather than AIB's new P2P payments service! Notice the amount of keyboard entry and pinch-and-zoom actions the guy in the video had to perform? This is yet another example of how companies in general and banks in specific neglect to design a mobile-optimized UX, which inevitably results in their inability to achieve mainstream adoption for their mobile apps.

Emails from the same email address are delivered in the inbox on one occasion and in the spam folder on another. I haven't come across any mainstream technology that is as temperamental as spam filter. Added to that are the vagaries and vissicitudes introduced in the process by tightening or loosening of spam threshold levels by the ISP, ESP and who knows how many other entities involved in email delivery. Maybe it's only me but, against that backdrop, I find it impossible to believe that any solution is better than another on the sole basis of a self-proclaimed ability to escape spam filters. There's got to be a better story than that. Oh I forgot, maybe it won't get past the 'Finextra Community Rules' filter forbidding blatant self-promotion.

As a marketer, I've heard of "your message is on the money" but this is my first time for "your message on money"! As a keen follower of QR code technology, there seems to be no end to the ingenious uses to which people are putting them to.

Whoa, "Mobile payments ... USD 202 billion in 2012 to USD 410 billion in 2013". 

According to the sources quoted in my blog post (Mobile Wallet Has Few Takers - Even At Starbucks) and the accompanying comments, the respective figures were US$ 500M in 2012 and US$ 640M in 2013.

Even the most-wildly-bullish-and-futuristic estimates of mobile payment volumes I've come across are way, way below the actuals you've quoted for the last two years. I'm sure you must be having good sources for your figures.

Predictive analytics has been used in the industrial context for a fairly long time now. For example, engine manufacturers use algorithms to process noise, vibration and other vital statistics from their installations to predict likely failures and send service engineers to fix the problem before it causes accidents and / or downtime. Similar examples abound in aircraft MRO, solar farms, etc. Apps like Google Now have consumerized the technology and broadened its appeal many times over by making predictive analytics run on a smartphone. I'm keenly watching when they take the technology to the next level by, say, accounting for the vagaries and vissicitudes of human behavior. This hasn't happened in my limited exposure to Google Now so far.

Is there another company that has been bought-and-sold as frequently as IdenTrust in recent times?

BORDERS may be dead but the printed book is still dominant, with 69% of market share in USA in 2013 (Source: http://androidcommunity.com/reading-digitally-gains-in-popularity-but-print-is-still-king-20140116/).

I've personally seen a guy - don't know if he was a banker or Banking Correspondent or Self Help Group employee - collecting cash from vendors in a vegetable / fruit market in Pune and printing out a receipt from a mobile POS. This was for daily recovery of small loans. Maybe I'm wrong but I automatically assumed that the POS had a live connection to the backend server via GSM / CDMA network. Not sure whether mobile network signal is strong enough in the hinterland to support such a technology in paddy fields.

If the average John Doe really cared about fraud protection / chargeoff and stuff like that, IMHO they'd stick to credit cards, especially for online shopping. For the market segment that uses debit cards for online transactions today, Zapp offers a strong value proposition by obviating the cumbersome task of entering so many keystrokes for card #, CVV, expiry, etc. on a virtual keyboard. Just enter one PIN # - hopefully the same Mobile Banking PIN # - and they're done. Not sure if this segment is big enough to support yet another PSP, though.