Mobile phones have changed banking faster in emerging markets than in developed countries, so they may provide an indication of where hot tech like the Google Wallet might go if it ever catches up with South Africa, Kenya or Bangladesh. Banks in emerging markets are using mobile phones to extend their services to existing customers and to provide banking connectivity to individuals with no previous banking relationship.

Dutch-Banglad Bank, one of Bangaldesh’s largest, has selected Sybase 365 for its mobile banking platform.

Diarmuid Mallon of Sybase 365 said Dutch-Banglad Bank is a good example of the way banks are going after the unbanked.