Abstract
The paper comprises three aspects of our contemporary society: the importance of the tertiary sector of the economy - services in the developed countries, the development of new (mobile) technologies and the high penetration rate as well as an acceptance of “the device” in contemporary history - smartphone. The aim of this work is to translate these three aspects into the banking service sector in Austria with a focus on the payments. Due to the fact that banks are much impacted by developments in new ICT technologies, and they are among the heaviest investors in IT, this paper attempts to provide an insight of how the banks implement or could implement new (mobile) technologies and end-devices such as the smartphones, and how it can influence banking services in general.
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