OK, so maybe it is gimmicky to have an app which varies the volume of your music according to how the stock market is performing. But there are 60 other applications in the CaixaMóvil App Store that almost 3 million customers utilize.
As my friend Tom Raftery reports from Spain "It has all the regular banking stuff you'd expect, pay bills, bank transfers, direct debit setup, etc. but it goes further and they let you do things like buy concert/cinema tickets, make charitable donations, check your share portfolio, it has a qr code reader, and analytics on the movements of your movements of the value of your accounts over time!"
The bank is reporting more mobile than ATM Transactions. Transactions through its physical branches are now under 10%, from over 30% a decade ago
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