Future of Artificial intelligence - discussion on AI opportunities and Artificial Intelligence threats. From AI predictions to Artificial Intelligence control of our world. What is the risk of AI destroying our world? Truth about Artificial Intelligence

Future of Sales and Marketing in 2030: physical audience of 800 + 300 virtual at hybrid event. Digital marketing / AI, location marketing. How to create MAGIC in new marketing campaigns. Future of Marketing Keynote Speaker

TRUST is the most important thing you sell. Even more TRUE for every business because of AI. How to BUILD TRUST, win market share, retain contracts, gain customers. Future logistics and supply chain management. Futurist Keynote Speaker

How to make virtual keynotes more real and engaging - how I appeared as an "avatar" on stage when I broke my ankle and could not fly to give opening keynote on innovation in aviation for. ZAL event in Hamburg

"I'm doing a new book" - 60 seconds to make you smile. Most people care about making a difference, achieving great things, in a great team but are not interested in growth targets. Over 270,000 views of full leadership keynote for over 4000 executives

Futurist Keynote Speakers - how Futurist Keynotes transform events, change thinking, enlarge vision, sharpen strategic thinking, identify opportunities and risks. Patrick Dixon is one of the world's best known Futurist Keynote Speaker

Futurist Keynote Speaker: Colonies on Mars, space travel and how digital / Artificial Intelligence / AI will help us live decades longer - comment before keynote for 1400 at Avnet Silica event

Future of Travel and Tourism post COVID. Boom for live experiences beyond AI. What hunger for "experience" means for future aviation, airlines, hotels, restaurants, concerts halls, trends in leisure events, theme parks. Travel Industry Keynote Speaker

Quiet Quitters: 50% US workforce wish they were working elsewhere. How engage Quiet Quitters and transform to highly engaged team members. Why AI / Artificial Intelligence is not answer. How to tackle the Great Resignation. Human Resources Keynote Speaker

The Great Resignation. 50% of US workers are Quiet Quitters. They have left in their hearts, don't believe any longer in your strategy. 40% want to leave in 12 months. Connect with PURPOSE to win Quiet Quitters. Human Resources Keynote Speaker

Future of Human Resources. Virtual working, motivating hybrid teams, management, future of motivation and career development. How to develop high performance teams. HR Keynote Speaker

Speed of change often slower than people expect! I have successfully forecast major trends for global companies for over 25 years. Focus on factors driving long term changes, with agile strategies for inevitable disruptive events. Futurist Keynote Speaker

Agile leadership for Better Risk Management. Inflation spike in 2022-3 - what next? Expect more disruptive events, while megatrends will continue relentlessly to shape longer term future globally in relatively predictable ways. Futurist Keynote Speaker

Crazy customers! Changing customer expectations. Why many decisions are irrational. Amusing stories. Lessons for Leadership, Management and Marketing - Futurist Keynote Speaker VIDEO

Chances of 2 people in 70 having same birthday? Managing Risk in Banking and Financial Services. Why the greatest risks are combinations of very unlikely events, which happen far more often than you expect. Keynote speaker on risk management

Compliance is Dead. How to build trust. Reputation of banks and financial services. Compliance Risks. Why 100% compliance with regulations, ESG requirements etc is often not enough to prevent reputational damage

Life's too short to do things you don't believe in! Why passionate belief in the true value of what you are selling or doing is the number one key to success. Secret of all leadership and marketing - keynote for 1100 people in Vilnius October 2021

Future Manufacturing 5.0. Lessons from personal life for all manufacturers - why most manufacturing lags 10-15 years behind client expectations in their day to day life. Manufacturing 4.0 --> Manufacturing 5.0. Future of Manufacturing Keynote

80% of sales are won or lost in 3 seconds, How to grow your business by giving attention to small things that really matter. Future of Marketing, Futuris Keynote Speaker - Pardavimu formule in Vilnius

Trust is the Most Important Thing You Sell. Managing your Reputational Risk - vital lessons for all leaders. How to build trust with key customers and markets. Futurist Keynote Speaker

Future of Banking, Bank trends, Mobile Payments, AI, FinTech, Cryptocurrencies

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

Future of Banking, Mobile Payments, FinTech and impact of AI / Artificial Intelligence on banking: articles, videos, presentations by conference keynote speaker. Patrick Dixon is one of the world's best-known Futurist keynote speakers, has worked with hundreds of the world's largest companies and has been ranked one of the 20 most influential business thinkers alive today. Patrick Dixon on future of banking, retail banking and mobile payments, digital tools, corporate banking trends, investment banking and fund management, cybersecurity, risk management in banking, wholesale banking and insurance. Future impact of AI on FinTech and banking software. Future of local, national and global banks, non-banking competitors, banking regulation and compliance. Clients include HSBC, UBS, Credit Suisse, RBS, Barclays, BNP Paribas, Deutsche Bank, Lloyds TSB, Skandia Bank, Nordea Bank, ABSA bank, Bank of Ireland, Ulster Bank, Britania Building Society, Clariden Bank, Co-op Bank, ABN AMRO, Rabobank, CUES, Fortis, Friends First Bank, Macquarie Bank, Minsheng Bank, Morgan Stanley Investment Bank, North Island Credit Union, PrivatBank (Ukraine), RMB, Saga, SEB, Skandia, Sumitomo Bank, Bank Vontobel, European Banking Association. Patrick Dixon has given keynotes on banking related issues to audiences in North America, Central America, Latin America, Western Europe, Central Europe, Eastern Europe, Baltic States, Scandinavia, Africa, Central Asia, South East Asia and Asia Pacific.

 

Q+A What about Future of Logistics in Banking? Dealing with costs of cash handling, and alternative beyond mobile payments. Comment on future of BlockChain, Cryptocurrencies, BitCoin etc - issues of sustainability and efficiency. Banking Keynote Speaker

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

Comment by logistics and supply chain keynote speaker on key banking trends related to logistics. Patrick Dixon, Futurist, at Seminarium Chile. Banks have logistics challenges of their own relating to moving cash around which is very expensive. While COVID accelerated a major shift to cashless payments in many nations, cash continues to be used widely, especially in emerging markets. Meanwhile, BitCoin and Blockchain have proven very costly and totally unsuitable to replace most normal day to day payments. Future of banking, mobile payments, smartphone banking Apps, cryptocurrency transactions, cross-border payments, remittances, cash and financial services.

* "Life with AI - How to survive and succeed in a super-smart world" - Patrick Dixon's latest book on AI is published in September 2024 by Profile Books.  It contains 38 chapters on the impact of AI across different industries, government and our wider world, including chapters on the future impact of AI on banks, AI in banking, AI to reduce cyberattacks and strengthen cybersecurity, AI to detect fraud and protect payment systems, AI in risk management.

Read more: Q+A What about Future of Logistics in Banking? Dealing with costs of cash handling, and alternative beyond mobile payments. Comment on future of BlockChain, Cryptocurrencies, BitCoin etc - issues of sustainability and efficiency. Banking Keynote Speaker

   

The Truth about BitCoin Crisisfor secure payments - A single BitCoin payment uses as much power as your home in a week. Blockchain sustainability issues. Shocking truth on BitCoin carbon emissions - similar problems for all Blockchain sustainability

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

A single BitCoin transaction uses as much electricity as your home for a week.

Just as I predicted several years ago, we have seen billions won and lost in a gamble on volatile prices of BitCoin, without really understanding BitCoin limitations.

Here are some facts about BitCoin that will limit its future:

- It takes 94,000 kw hours at the time of writing to produce a single BitCoin

- 159 different nations use less power each year than BitCoin mining!

- That’s more power on this experiment last year than 2 billion of the poorest people used – 1 billion of which have no access to a national grid

- A single BitCoin transaction, logged in a BlockChain, burns up as much energy as your home for a week – so forget about using BitCoins as a global day-to-day currency

* "Life with AI - How to survive and succeed in a super-smart world" - Patrick Dixon's latest book on AI is published in September 2024 by Profile Books.  It contains 38 chapters on the impact of AI across different industries, government and our wider world, including the impact of AI on energy consumption globally, banking, payment systems including BitCoin.

Read more: The Truth about BitCoin Crisisfor secure payments - A single BitCoin payment uses as much power as your home in a week. Blockchain sustainability issues. Shocking truth on BitCoin carbon emissions - similar problems for all Blockchain sustainability

   

New Cybersecurity apocalypse driven by AI. 12 steps for every business and individual. Cyberattacks, ransomware etc will cost >$5 trillion a year by 2025. How to stop hacking, ransomware attacks, data loss, IP theft. Keynote speaker on cybersecurity

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

Future of Banking - Cybersecurity risks, Ransomware attacks etc - Xpedition keynote speaker

When you combine all the power and all the weaknesses of the Internet of Things, Big Data, Cloud Computing and Artificial Intelligence / AI, together with 6 billion smartphones, computers and other smart devices, the result is a gigantic range of lucrative targets, and a potential future global emergency.  

As I warned years ago, every large company in the world is now experiencing frequent, severe cyber-attacks, on their own systems or in the Cloud, whether they know or not. Much of this is linked to activity supported and encouraged by governments, attacking the economies and intellectual capital of other nations.

As we will see, over 4 billion people have already been personally affected by theft of their private details – and this is just the beginning of the security nightmare, which will drive huge investment in new security measures by all large corporations and by governments.

* "Life with AI - How to survive and succeed in a super-smart world" - Patrick Dixon's latest book on AI is published in September 2024 by Profile Books.  It contains 38 chapters on the impact of AI across different industries, government and our wider world, including impact of AI on cybersecurity risks and ransomware attacks.

Read more: New Cybersecurity apocalypse driven by AI. 12 steps for every business and individual. Cyberattacks, ransomware etc will cost >$5 trillion a year by 2025. How to stop hacking, ransomware attacks, data loss, IP theft. Keynote speaker on cybersecurity

   

Compliance is Dead. Why 100% compliance with every regulation in every nation will not be enough to protect brand of a bank or build trust in an insurance company. Compliance risks - how to go beyond compliance with ethical decisions and ESG

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

Seminar / Keynote on Future of Banking for Xpedition

Compliance with regulation really matters. However, as many bankers discovered, 100% compliance with every law may keep you out of prison but cannot protect your brand or reputation, or build trust. You can comply perfectly with every banking or environmental regulation in every country in every year, but that will not help you when public mood changes.

A scandal happens, which is followed by a public reaction, which leads to new regulations, new compliance rules. These compliance requirements are interpreted by lawyers, who try to work out what it means. And then your compliance teams turn it into another box-ticking exercise, to check you really are compliant.

But you are only complying with history...so what should companies do now?

* "Life with AI - How to survive and succeed in a super-smart world" - Patrick Dixon's latest book on AI is published in September 2024 by Profile Books.  It contains 38 chapters on the impact of AI across different industries, government and our wider world, including the impact of AI on regulations, compliance, banking and financial services.

Read more: Compliance is Dead. Why 100% compliance with every regulation in every nation will not be enough to protect brand of a bank or build trust in an insurance company. Compliance risks - how to go beyond compliance with ethical decisions and ESG

   

World at war against common enemy with loss of freedoms and huge cash stimulus. COVID / Omicron impact on Banking, Banks, Payments, Financial Services, Fiscal Stimulus, Government Lending, Global Economy. COVID-19 and Coronavirus virtual keynote speaker

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

Banking and Financial Services strategies for a post-COVID world. As a physician by first training and a Futurist advisor / keynote speaker on industry trends and strategy to over 400 of the world's largest 2000 companies, I warned for years of the threat from new viral pandemics like COVID and of course multiple variants such as Delta and Omicron.  My clients include many of the world's largest banks, with a proven track record of longer term forecasting over the last 25+ years, here are some guiding principles to banking and financial services beyond COVID. Global Crisis will accelerate pre-existing banking and payments trends. Most banking trends described in my books, including The Future of Almost Everything, will continue to shape the world as before, but the Coronavirus pandemic will bring forward the timings of many key events in many industries. Examples:

Huge further acceleration of online sales, mobile payments, mobile banking and business to business online transactions. Many Shopping Malls will struggle to re-open in developed nations. Physical retail will lose out even more to online shoppers, with big jump in online sales which will only partially reverse after the pandemic has ended. Airlines will consolidate more rapidly in Europe because of COVID-19, following US picture over the last decade. Larger airlines will be most likely to be rescued by governments. Borderline-non-viable airlines will be allowed to fold.  Even faster growth of virtual working and virtual teams. Faster introduction of virtual learning into college education, MBAs, Business Schools and High Schools etc.

Here is more on COVID impact on banking strategies, national economies, government borrowing, interest rates, inflation rates, bank lending criteria, banking regulation and so on.

Book your own board strategy review and coronavirus update - contact Futurist and Physician Dr Patrick Dixon 

Read more: World at war against common enemy with loss of freedoms and huge cash stimulus. COVID / Omicron impact on Banking, Banks, Payments, Financial Services, Fiscal Stimulus, Government Lending, Global Economy. COVID-19 and Coronavirus virtual keynote speaker

   

The Future of Banking – futurist keynote speaker on bank trends, customer expectations, cybersecurity, fraud risk, Fintech innovation, mobile payments, blockchain and bitcoin. Futurist keynote speaker - long post on banking

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

As a Futurist I have been advising global leadership teams of the world’s largest banks for over 20 years on a wide range of new opportunities, issues, risks and macro trends. The conversations have changed over the years far less than you might imagine: many of the old challenges still remain, while the urgency for radical change has never been greater.

In our densely interconnected world, every trend below will link to every other trend, often in complex ways, and the list below is not in order of importance, with greatest focus on the future of retail banking.  

Here are just a few of the wider banking trends that are particularly bright on my own radar screen at the moment. There are many others....

Read more: The Future of Banking – futurist keynote speaker on bank trends, customer expectations, cybersecurity, fraud risk, Fintech innovation, mobile payments, blockchain and bitcoin. Futurist keynote speaker - long post on banking

   

Give it all away! Future of Private Banking is Philanthropy. 10 Reasons for boom in Philanthropic advisory services for wealthy clients. Impact on wealth advisors, Family Offices and Fund Management. Future of Banking Keynote Speaker VIDEO and POST

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

Future of Private Banking is Philanthropy. Reasons for boom in Philanthropic advisory services for wealthy clients. Impact on wealth advisors, Family Offices andFund Management

50% of global wealth is owned by 1% and within 30 years that is likely to rise to 65% or more.  The number of dollar billionaires is growing rapidly every year.  The richest 80 people on earth own as much wealth as the poorest 3.4 billion people. Over 1,600 billionaires and their families own between them $6.4 trillion – which is more than the combined income of the poorest 120 countries in the world. And in the layer below that are a further 250,000 Ultra-High Net Worth individuals (UNHWs). So what is going to happen to all this wealth?  The answer is that a huge proportion will be given away.  Why?

I have been advising many of the largest Private Banks in the world and large Investment Funds for over 20 years.  I have also worked with many of the world’s wealthiest entrepreneurs and Family Offices. For 20 years now I have been saying that Philanthropic advisory services will be at the heart of Private Banking and wealth management, for the next few decades. The reasons are simple....

Read more: Give it all away! Future of Private Banking is Philanthropy. 10 Reasons for boom in Philanthropic advisory services for wealthy clients. Impact on wealth advisors, Family Offices and Fund Management. Future of Banking Keynote Speaker VIDEO and POST

   

Managing MAJOR RISKS, economic shocks, pandemics, geopolitical, disruptive tech like AI. Reduce RISKS with agile leadership. Risk management in banking and why many banks are blind to combined impact of different events - risk management keynote speaker

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

Keynote on risk management to 4500 executives in Las Vegas - recorded before COVID

36,000 reads of this Article - includes Video comment and clips from keynote on risk management for clients of Wolters Kluwer. Future of risk management in banks - urgent steps that every bank needs to take to reduce risks while still remaining agile and able to innovate in the face of new threats such as AI.  Artificial Intelligence is creating massive new vulnerabilities in every bank's security.

Banks face multiple, highly complex risks in a world that is changing faster than you can call a board meeting. Some of these banking risks are preventing innovation - for example paralysis which often happens for several years after a merger, while legacy IT systems are made to work together, for example AI reinventing entire banking processes in 6 months.  Others are working against customer interests - slowing down services or preventing access altogether.  Some risks such as cyberattack are likely to grow very rapidly over the next decade, powered by criminal abuse of Artificial Intelligence engines to hack even the most secure global banking systems.  Follow the link below to see all the slides of the risk management keynote. Need a world-class banking keynote speaker? Phone Patrick Dixon now or email.

* "Life with AI - How to survive and succeed in a super-smart world" - Patrick Dixon's latest book on AI is published in September 2024 by Profile Books.  It contains 38 chapters on the impact of AI across different industries, government and our wider world, including the impact of AI on risk management in banking and other industries.

Read more: Managing MAJOR RISKS, economic shocks, pandemics, geopolitical, disruptive tech like AI. Reduce RISKS with agile leadership. Risk management in banking and why many banks are blind to combined impact of different events - risk management keynote speaker

   

Future of FinTech, Banks and Financial Services Trends - Futurist Keynote Speaker on FinTech Innovation, mobile payments, Banking, Insurance and Personal Finance - FEATURE

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

I have worked with many of the largest banks and insurers in the world over the last 20 years, and all of them are focussed right now on the threat and opportunity of FinTech innovation.

Very simply: FinTech will cause as radical changes to banking and payments as the web has caused to the whole of society. Combine the gigantic power of the web and mobile tech with the profits of the entire financial sector worldwide, and you get one of the greatest opportunities to create digital wealth that the world has ever seen.

That's one reason why FinTech is one of the fastest growing areas of IT innovation with over $18bn invested a year.  In the first 3 months of 2017, Global FinTech startups raised $2.78n of investment from global venture capital firms, in 226 separate deals. In London alone there are probably over 10,000 FinTech startups - it is hard to keep track of the frenetic pace of change in this sector.

Why is FinTech so important?

FinTech combines all the power of the web, the potential of mobile transactions, the capabilities of cloud-computing, of Artificial Intelligence and Big Data analytics, and all the potential of mega-sized IT platforms, to completely transform how money is stored and transferred, globally.

Read more: Future of FinTech, Banks and Financial Services Trends - Futurist Keynote Speaker on FinTech Innovation, mobile payments, Banking, Insurance and Personal Finance - FEATURE

   

Truth about Mobile Payments, BitCoins, BlockChain and Cryptocurrencies - future of digital payments and future of banking FinTech. Why Telcos AND Retail Banks face major challenges - FinTech Keynote Speaker

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

Video for Google on Digital Payments

I often give keynotes at banking conferences on mobile banking FinTech, digital payments - and BitCoins are often discussed.

For over two decades, many people have been trying to develop a digital alternative to physical bank notes – to pay for things online in a fast, easy, secure and totally anonymous, private way. Are BitCoins the answer?

Read more: Truth about Mobile Payments, BitCoins, BlockChain and Cryptocurrencies - future of digital payments and future of banking FinTech. Why Telcos AND Retail Banks face major challenges - FinTech Keynote Speaker

   

Radical Innovation in Banking, Mobile Payments, e-Wallets, Card Payments, Retail Banking and FinTech - managing risk - Futurist keynote for G2 Web Services

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

Banking and card payments - how to reduce risk in the payments industry - for companies like Visa, Mastercard and American Express.

Conference keynote speaker Patrick Dixon, speaking at G2 Web Services event.

How retail payments are changing: future of e-commerce, mobile transactions, customer insight, fraud detection, biometrics security, Big Data and the Internet of Things, cybersecurity, digital payments, paywall, bitcoin and other FinTech.

Future of cash, location-based marketing, why most banks are being overtaken by the current wave of technology and how they need to respond.

Read more: Radical Innovation in Banking, Mobile Payments, e-Wallets, Card Payments, Retail Banking and FinTech - managing risk - Futurist keynote for G2 Web Services

   

Why cash STILL has a GREAT future in a mobile payments, e-cash, e-commerce, FinTech world, and why most predictions about death of cash were so wrong - payments Futurist keynote VIDEO

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

Cash will continue to grow in use despite boom in e-commerce, cash handling costs, and mobile payments. Future of Banking and Financial services.

Slides of Keynote by Futurist Patrick Dixon for clients of Glory Global (huge ultra-wide screen and stage).  Future of notes and coins.  Why young people are using cash more in many nations.  

Over half of all payments in the UK were still conducted with physical cash in 2013.  What about the future?

Need a mobile payments keynote speaker? Phone or e-mail Patrick Dixon now.

Read more: Why cash STILL has a GREAT future in a mobile payments, e-cash, e-commerce, FinTech world, and why most predictions about death of cash were so wrong - payments Futurist keynote VIDEO

   

FinTech Trends: Future Mobile Banking, Mobile Payments: impact on retail banks, cash, Telcos, emerging markets - Banking and FinTech keynote speaker

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

Retail financial services are in for a radical shakeup, which will dwarf anything we have seen so far in online innovation, driven mainly by use of mobile devices.

Tens of thousands of startups are trying to make money from mobile money.  Only a handful will make it to global scale. 

Huge potential impact on retailing. This is a new gold-rush or dot-com like boom, that is happening a somewhat chaotic way, leaving regulators far behind. Video: recorded early 2011.  Article: written November 2012 - accurate forecasts by Futurist Keynote Speaker Patrick Dixon on future of banking and financial services.

Read more: FinTech Trends: Future Mobile Banking, Mobile Payments: impact on retail banks, cash, Telcos, emerging markets - Banking and FinTech keynote speaker

   

Next Financial miss-selling crisis? Future of Fund Management. Why most fund managers I talk to do not recommend their own retail actively managed funds. Impact on Future of Banking and Pension Funds. Fund Management Keynote Speaker - POST and VIDEO

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

Video from 2010 but JUST as urgent and relevant today.

Fund management really matters - as vital to society as hospitals and schools because it protects the wealth of us all as pensioners. For many years, I have given keynotes on global investment trends to Fund Managers from across the world.  I have had over $1 trillion of funds under management of a single audience. But here is a shocking fact. A significant proportion of fund managers (usually the great majority) at events I have spoken at over the last few years lack confidence in their own actively managed investment funds.  For example, most tell me (straw polling during presentations) that they do not recommend their own products to friends and family, and do not commit their own wealth into their own funds unless they need to as part of the job. If fund managers do not believe they are adding value, it becomes a serious ethical issue if those retail funds continue to be actively marketed.  Life is too short to sell things you don’t believe in. So what is the future of actively managed funds?...

Read more: Next Financial miss-selling crisis? Future of Fund Management. Why most fund managers I talk to do not recommend their own retail actively managed funds. Impact on Future of Banking and Pension Funds. Fund Management Keynote Speaker - POST and VIDEO

   

Future of Banking - Safe Strategy for Banks - Mobile Payment Systems - keynote speaker

Futurist Keynote Speaker: Posts, Slides, Videos - Banks, Banking, Financial Services Keynote Speaker

Future of Banking - presentations, many videos, articles and other resources on the future of banking. Topics covered include: future of retail banking, corporate banking trends, investment banking and fund management, online banking, mobile banking, risk management in banking, wholesale banking.

The future of local, national and global banks.  Non-banking competitors including retail stores, insurers, technology companies and mobile phone companies.  Future of banking regulation and compliance issues - why compliance is not enough to retain trust and protect brands.

Read more: Future of Banking - Safe Strategy for Banks - Mobile Payment Systems - keynote speaker

   

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