http://www.globalchange.com Mobile phone companies could threaten banks with mobile payment systems. End to credit cards, cash cards and other traditional banking methods. Micropayments already used for foreign exchange transactions. Banking will grow using PDAs and other mobile devices. How banking industry will look for new partnerships with mobile phone operators and device manufacturers. Future of financial services mobile device marketing of loans, insurance and mortgages. How telecom companies will be able to offer free handsets and unlimited calls / sms / data use if users stop using credit cards or cash cards for most payments. Comment by Futurist keynote conference speaker Patrick Dixon.