As we kick off 2012, there are many expectations that as the economy slowly warms up and pressures to innovate increase, that the new year will bring some healthy change and positive resolutions. With lots of competitive plays continuing to infringe on banking as we know it, 2012 also promises to bring a slew of new models of payments and bank-like capability that further challenges incumbents. 

So what will be the big themes of 2012? There are at least 7.

 

 

1. The “screen” has well and truly arrived
Unless you’ve been living in Outer Mongolia (and even there the iPhone is hot) the mobile has become the big thing of the last few years.