Even if current trends don't accelerate at all, by 2016 by far the most common interaction that most people will have with their bank will be through their smartphone.
One of the metrics that is used to gauge the format war is Google trends and HD DVD is clearly ranked considerably higher, but if you add the common misspellings of both formats the chart looks different and it is clear to see that many people misspell Blu-ray as Blue-ray.