This morning it hit me that I wish there was an app that let you just pay your bills from your phone. Then I realized Apple would be perfect for it. When NFC becomes widely available they could be your debit card. If they want more profitability they can go into mortgages and credit card and just target lower risk clients. They already have so many people's information. The only issue is it would make losing your phone that much more serious but with pin numbers, especially longer ones it would be fairly secure. Some people don't like banks others might feel like banks are bad business. On the first point, my experience with certain banks is that at times their fee structure seems unfair. I love my current bank for their fairness and helpfulness even though right now I've moved far from any local branch. On the second point, the banks are in trouble because everything is worth less than what it was sold at years back but Apple would be coming in after that point.