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Hi Melvin, thanks for raising the point. My error, it should have read 1 in 4 millenials to highlight the uptick.  

There is a clear correlation between conversational banking and customer satisfaction, you need look no further than the awards and satisfaction ratings of First Direct in the UK. The challenge for newcomers (to conversational banking) is not limited to how to support the conversation but how to enable the broader conversations desired by customers, without having to pass through banking silo's between each department in the bank.

BelgaCom were amongst the first to foray into live mobile payments in 2009 with PingPing developed in conjunction with Tunz (acquired by Ogone who, in turn, were recently acquired by Ingenico).  Consequently the announcement of a Pilot with Accenture should [in theory] be building on their experience gained in the intervening four years of having a live mobile money service, moreover it begs the question of why not develop pingping with Ingenico to achieve multi-channel capability?