It's all about iPhone 5

Apple has now announced release of the updated version of its paradigm-shattering smartphone – mark your calendar for product release on Sept. 21 (pre-orders start Friday, Sept. 14) – and the big question has to be exactly what impacts will the device have on mobile banking and mobile payments?

For starters: unlike with last year's release of the phone that was named the 4S, there were no advance rumors (at least not from credible sources) that this year's iPhone 5 would have NFC (Near Field Communications) to turn the phone into a genuine digital wallet.

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