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Conferences, white papers, surveys, pilot programs, new applications all screamed the same refrain in 2012: mobile banking, mobile banking, mobile banking.

Disruption. Disintermediation. Reinvention. These three themes rocked the first installment of Money2020, a bustling conference that attracted a full house of 2,000-plus attendees. And it brought in very senior executives from major financial services players ranging from American Express to Visa, MasterCard and Discover; from Wells Fargo to Bank of America; and from Google to PayPal. Money, old and new, crammed into the Aria hotel in search of a roadmap to what it will look like in a scant eight years.

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