When I see the article below I think of a bank using this for a competitive advantage, BUT I also think of the numerous holes/vulnerabilities in P2P apps (BTW, Skype IS NOT secure) and the lack of security controls/safeguards surrounding most individuals' mobile devices (i.e. ignoring access controls, like a user-generated PIN, for the device).
http://www.bankinfosecurity.com/articles.php?art_id=3250&rf=2011-01-15-eb
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