Don't expect mobile to evolve differently. Despite the fact that, irrationally, banks have many managers chasing few mobile payments, and few, if any, even thinking about most customers, who pay from their PCs. (Is even the desktop computer obsolete yet? Look around you.)
With a substantial fraction of customers already having access to remote deposit capture (through which only very small numbers of checks are being deposited), you can easily find a substantial, proven vendor whose service and costs are no worse than those your largest competitors incur. Details won't matter.
Compressing consumer PC payment services and wallets onto a small screen likewise will come down to routine, standard, bank-neutral vendor options, without proprietary advantage. Customization and exclusivity are transient mirages not worth chasing.
Andrew Kahr is a principal in Credit Builders LLC, a financial product development company, and was the founding chief executive of First Deposit, later known as Providian.