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Hi Melvin, thanks for raising the point. My error, it should have read 1 in 4 millenials to highlight the uptick.  

There is a clear correlation between conversational banking and customer satisfaction, you need look no further than the awards and satisfaction ratings of First Direct in the UK. The challenge for newcomers (to conversational banking) is not limited to how to support the conversation but how to enable the broader conversations desired by customers, without having to pass through banking silo's between each department in the bank.

BelgaCom were amongst the first to foray into live mobile payments in 2009 with PingPing developed in conjunction with Tunz (acquired by Ogone who, in turn, were recently acquired by Ingenico).  Consequently the announcement of a Pilot with Accenture should [in theory] be building on their experience gained in the intervening four years of having a live mobile money service, moreover it begs the question of why not develop pingping with Ingenico to achieve multi-channel capability?

Great to see iZettle bringing solutions to latent under-served markets; from Home Hairdressers to Skip Hire, consumers will no longer have to fumble around kitchen draws to find chequebooks. As an industry we should do all we can to prevent fraud but please let keep things in perspective and not lose sight of the overwhelming vast majority of payments that are honest and legitimate but inconvenienced by lack of availability or stifled by authentication protocols so obviously tacked on to dated processes. In today's social, always on, connected multi-channel world having a different payment method and process for each is not sustainable. Good luck to the innovators of our industry that dare to question the cosy norms of the payments.