"We don't know if the winning technology [for banking and payments combined] will be quick-response codes, near-field communication, or something else," says Badarinath. "We do know that waiting is not an option. We know we have to move."

Digital Banker of the Year: U.S. Bank's Niti Badarinath

Niti Badarinath is pushing new mobile banking and mobile wallet concepts to market at U.S. Bank with a sense of urgency: he knows customers want more.

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