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4 personal finance technology trends for 2012

(AP) -- If you're one of the holdouts still paying bills with checks, tracking your accounts with pen and paper or clipping coupons from the newspaper, 2012 could be the year you take the digital plunge.

Mobile industry champions paying with phones

Paying with a mobile phone is gradually become a reality for consumers, with banks, telecommunications operators and Internet players all jumping in to offer payment options.

The wallet as you know it may be dying

You grab your keys, smartphone and wallet when you leave the house. Would it be such a disaster if you left that last one behind?

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