Below is an edited transcript of a May 12 roundtable discussion about payments and banking technology. The participants were American Banker editors and reporters; Brett Huff, research analyst with Stephens Inc.; Andrew W. Jeffrey, managing director for equity research with SunTrust Robinson Humphrey; Thomas C. McCrohan, managing director for business services with Janney Montgomery Scott; Darren Peller, vice president and senior analyst for IT consulting and computer services with Barclays Capital; and Greg Smith, managing director for financial technology equity research at Duncan-Williams Inc.

American Banker: What do you think is the most interesting payments technology that we're hearing about these days? THOMAS C. McCROHAN: I think the coolest technology right now is delivering financial services to the poor. It could be mobile payments, it could be smart cards. I think it just is an area of tremendous growth.

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