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Perhaps no technology will disrupt our financial transactions in the future more than mobile tech. The introduction of SMS into the public gave banks an avenue for mobile banking, but the explosion of smartphones in the last decade has truly caused mobile banking to go mainstream.

Today, mobile banking apps are not an extra benefit in consumers' minds. They are a necessary part of the bank-customer relationship, and their absence could convince customers to switch to another financial institution.

But banking apps were just the beginning. Apple, Samsung, Android, Walmart, and more all have their own mobile wallets that allow customers to simply wave their smartphones and be on their way. BI Intelligence's Digital Disruption of Retail Banking report, which surveyed 1,500 millennials, found that approximately 27% of millennials had used their phone to checkout at a store in the last month.

Peer-to-peer payment apps have also exploded thanks to their ease of use. The fact that much of the public uses "Venmo" as a verb speaks to the widespread influence of P2P apps. These services eliminate the need for consumers to visit an ATM to take out cash, which removes an extra step from the payment process.

Small businesses are adopting IoT technology and increasingly installing inexpensive mobile point-of-sale products (such as those offered by Square) in order to accept credit and debit cards when they previously could not. This technology further eliminates the need for cash.

In short, the smartphone is becoming the foundation of the future of mobile banking, especially among younger customers who will wield financial influence in the coming decades. Consider the following data from the BI Intelligence survey of millennials:

Given this information, it's clear that banks must continue to throw their considerable resources into digital offerings, and the Internet of Things will help them do just that.

What's Next?

Banking will continue to evolve as the Internet and the IoT continue to grow in prominence. Those customers and financial institutions that do not stay ahead of these retail and mobile banking trends will be left behind.

That's why BI Intelligence has spent months compiling the most comprehensive resource on not just digital banking, but the entire IoT: .

To get your copy of this invaluable guide to the IoT universe, choose one of these options:

The choice is yours. But however you decide to acquire this report, you've given yourself a powerful advantage in your understanding of the fast-moving world of the IoT.

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The patriarch of this troubled family is Harold Meyerowitz, an aging sculptor of some renown and much bitterness, played by a frail, bearded Dustin Hoffman. Harold has been married four times, currently to a recovering alcoholic named Maureen (Emma Thompson). He is the sort of inveterate snob who scoffs that his more successful friend is “a popular but minor artist” and leaves the guy’s opening in a huff because the spotlight isn’t on himself. “He so fears not being good,” Baumbach says of the character he wrote, “but he can’t admit he’s afraid he's not good. I think he's tortured. I have a lot of sympathy for him.”

Grace Van Patten, Ben Stiller and Adam Sandler co-star in 'The Meyerowitz Stories,' the new film from director Noah Baumbach. IAC Films/Netflix

It’s tough to be Harold, tougher to have him as a dad. Harold’s three adult children—Danny (Sandler), Matthew (Stiller) and Jean Meyerowitz (Elizabeth Marvel)—have drifted, geographically and emotionally. Each resents the father in his own bittersweet way. Danny, an unemployed stay-at-home dad going through a divorce, resents being the family disappointment. He knows that Harold favors his half-brother, Matthew (they have different mothers). Matthew, portrayed with a harsh workaholic edge by Stiller, is a high-powered financial adviser with his own gripes: Harold didn’t come to his wedding, Harold doesn’t respect his career success, and so on. He stews, trying not to be infected by Harold’s “anger at the world.” Then there is Jean, introverted and odd, with an unspoken trauma of her own.

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Baumbach’s films are populated with neurotics: writers, failed artists, music snobs , all manner of self-loathing specimen. He was raised by writer parents—novelist/critic Jonathan Baumbach and longtime Village Voice scribe Georgia Brown—whose divorce partly inspired the plot of 2005’s Squid and the Whale , a sardonic gem about coming of age while your literary mom anddad’s marriage disintegrates. He returned to the theme of family squabbles, less successfully, in his next film, Alice Olivia Jana Embossed Wedges Buy Cheap Explore Outlet Cheap Prices bgLp5
(2008). Critics have charged that his films were sour or full of contempt for their own characters. (A New Yorker profile claims that Greenberg unnerved moviegoers so much that one movie theater had to post a sign limiting refunds.) But the tone brightened considerably with 2013’s Frances Ha and 2015’s Mistress America , both starring and co-written by his girlfriend, Greta Gerwig.


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