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.

Tickets, coupons among uses for tap-to-pay phones

(AP) -- Cell phones are usually used to communicate with people far away. This year, they'll get the ability to do the opposite: communicate with things that are close enough to touch.

Nokia seeks gold in mobile payments startup Obopay

(AP) -- Nokia Corp., the world's largest maker of cell phones, is making a large investment in a California-based startup that wants to make the mobile phone the credit card of the developing world.

Apple unveils ApplePay mobile wallet

Apple unveiled a new mobile wallet on Tuesday aimed at allowing consumers to use iPhones linked to credit cards for more secure, convenient payments.

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