We continue to pound the pavement looking for companies that are moving into the emerging world with mobile phone banking. That is clearly the future. Branch banking is dead. The real winner so far is Monitise.  Few others are on the horizon.   I am at Finovate Europe 2014 in London now and the companies which are showing off their banking applications this year border on the tedious and, I dare say, "goofy".   There is general disappointment among [...]