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Technology intensifies `fight' to be the banker of choice continued from p.14 rhythms. That would be far more secure than a PIN and password. A company owned by the Bank of Nova Scotia has introduced a fingerprint scanner as a method of confirming someone's identification. They also have the ability to display the user's bank account balance through a new app on their Samsung wristwatch. The fight to be the banker of choice is already intense and that will only magnify. Much has already changed. The `good old days' Remember the days when banking was done at a bank? Technology then came along and allowed the banks to switch many of their services from costlier banking staff to a less expensive and more efficient means in the form of technology. Cash was replaced by credit cards and debit cards; a great business model for the banks. Those were the good old days. Now, a customer at the checkout counter does not just rely on the traditional banking options. Google Wallet allows the customer to swipe their phone without the need for a plastic bank card. PayPal has an app that also allows the phone to be used. Again there is no need for a bank. The final large competitor is Apple. They are promoting Apple Pay on their new iPhone 6 that was released last year. While all of this heated competition goes on our question is simple: How will it benefit us? Banking will improve, regardless of whether you stay with your bank or adopt new banking options. Traditional banks will be under tremendous pressure to be competitive and that will mean some of the simple banking tasks that are now offered at a relatively high cost will be much more fairly priced. 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