Let‟s talk about the consumer first, because when you hear about Internet Banking, mobile banking, online account opening, etc. you tend to hear about the demographics that prefer this channel. And every vendor will show you slides from the Celent report on Gen Y that talks about how much Gen Y use their mobile phones and how much they‟ll love mobile banking. And that may be true, but they‟re not going to open a new account on a mobile phone any time soon