60% of UK adults are set to use mobile banking by 2020. Together they're estimated to transfer over £12.8 billion a week online, both via mobile apps and online browsers. With this much money being moved around online, will there be any need for physical banks in the future?

Smartphones are no longer just a means of communicating. They wake us up, get us from A to B and even help us find love. We’ve almost forgotten their original purpose. Text trumps voicecalls and apps trump SMS – it’s a good time to ask – what’s the future of the mobile phone?

Giesecke & Devrient is hardly a household name, but its tech probably powers your mobile banking. At Money20/20 Europe, the world's largest financial services event, it's showcasing products set to speed up mobile payments – ideal, with nearly 30% of EU payments made on mobiles.

As branches close and an increasing number of consumers use app-based finance services, high street banks are at a crossroads, with online alternatives set to further shake things up. Atom is a digital-only bank with a range of consumer and business accounts, but can it take digital banking nuclear?