Recently, All About Money carried out some research and found out some interesting things about how we interact with our money.

For example, we found that 84% of UK adults (41 million!) check their bank account at least once a week. They can do this in a variety of ways - for instance, online, over the phone or face-to-face at a local branch.

13% of our respondents said that they check their personal bank account every day. It's fairly safe to assume that, to do this, many of them are making the most of services such as online and mobile banking, rather than popping into a branch every day! The 16-24 age group are most likely to check their bank account every day (23% said they do) - and this may be because they've grown up in the age of 'banking on the go'.

Being able to stay on top of your money 'on the move' can be invaluable. You can keep a close eye on your balance and payments into and out of your account - and if any problems arise you can deal with them sooner, rather than later.

Online and mobile banking have already been widely accepted as the norm (especially among the young) - but where could banking technology go from here?

The future of banking and technology…?

It's just about guaranteed - it's going to get easier to bank while you're on the go. There is already a wealth of new technologies that promise to be 'the future of banking'. Some of them aren't available in the UK just yet, but don't worry - they will be. Let's have a look at some of them…

Pay using NFC (Near Field Communication)

Near Field Communication lets your smart phone or tablet communicate with a compatible device - sending information in the process. In terms of your bank account, this means that you could pay for goods and services by 'swiping' your mobile over a scanning device.

The basic idea behind NFC apps such as Google Wallet is that your smart phone can store your credit, debit, store and loyalty cards. When you 'tap' your mobile at the point of sale, information will be instantly transferred.

Pay using your phone number

Services like Boku allow you to pay for things online by using your mobile number. The logic is that you know your mobile number off by heart - so you can pay for things more quickly without having to carry around all your different cards. Any charges are made to your phone bill.

Send money to a friend using their mobile number

Apps like Barclays Pingit allow you to send money just using a mobile number. It's really that simple.

Pay cheques on your mobile

Until recently, you still had to go into your bank to cash a cheque. How old-fashioned! Luckily, certain banks like Citibank and Bank of America have the solution. You can use your mobile to take a picture of the cheque, and use a secure app to cash it.

Withdraw cash without a card

It's a familiar dilemma - you need some money but you've forgotten your card. Well, this problem may now be a thing of the past - as the Royal Bank of Scotland has released a new app. You can withdraw up to £100 by requesting a unique PIN using your password-protected app. Once you have received your PIN, you can type it into a compatible cash machine, which will dispense your money.

The future is here…

Banking security is always a concern - especially when new technology is introduced. Luckily, technology to make your banking experience more secure is also coming along in leaps and bounds.

For example, IrisGuard Inc. recently released an iris-recognition camera for banks. Similar advances are being made with fingerprint scanners and voice recognition.

So soon you won't have to remember your cards, your details, or even (possibly) your mobile. Soon, you'll just need yourself - and hopefully that'll be easy enough to remember.