I read a report excerpt today that opined that increased deployment and adoption of mobile banking will lead to more uptake on mobile payments, but I see it very differently. Mobile banking is primarily about viewing or information of a much more fixed nature than POS payments, even though mobile banking can certainly involve transactions such as transfers or bill pays in some limited cases. POS payments really won’t build on consumer’s access of their DDA account, even though the two can be accessed from a common platform (along with a myriad of other functions). As a parallel, Internet banking hasn’t caused consumers to shop more online or even pay for online purchases with transfers from their bank account, but rather advanced technology users have coincidently tended to use both banking and payment functions separately. Mobile payments will have it’s own growth patterns, and like PayPal, could quickly take on a life of its own due to the actions of several companies that don’t currently have a payments play. Banks and tech vendors that want to profit from growth in mobile payments need to do more than have a successful mobile banking rollout, or they’ll be disappointed.