The basic premise is two twenty-somethings meet for lunch and spend the entire time on their mobile devices. Anyone who has kids or young adults knows that this isn't that far fetched.
So what does that have to do with banking? These are the current/future banking customer's of today. How can you hope to engage them in something as mundane as banking if you aren't meeting them in the social media space? Let's face it: if they aren't talking to each other face to face, how will you ever get them to talk to you?