The document discusses the evolution of mobile technology and banking. It notes that Tim Berners-Lee coined the term "World Wide Web" and that 3G internet allowed for mobile internet use. It provides examples of early mobile applications from companies in Turkey including the first mobile airline app from Atlasjet and mobile banking apps from DenizBank. It discusses concepts like the "Internet of Things" and connected customers. The document envisions a future of banking where most transactions are done through self-service channels on mobile apps that integrate savings and financial recommendations.