The biggest area of interest this year seems to be mobile banking and mobile bill pay, says FIS’ Dottie Yates, Vice President of Product Management ePayments/eBanking at FIS. The evolution of mobile banking technology will mimic the early days of ATMs. Banks are only beginning to want to launch Internet account opening services, says Yates. The success model for mobile banking is already seen in the use of services such as text messaging by the Gen X and Gen Yers.”]