Like most of the bankers we profiled this year, Hari Gopalkrishnan, managing director, consumer and wealth management, ecommerce technology, consumer banking architecture and segments technology executive for Bank of America Merrill Lynch speaks of simplicity in mobile banking design and user experience.

"Simplicity and relevance are our focus, and not just for our mobile channel," Gopalkrishnan says. "People don't live to bank; financial institutions are there to serve their day-to-day needs. We have to be humble and recognize we need to be relevant and in the context of what they do when they want to do it." Reliability and security are table stakes, he says.

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