Digital banking technology is now "so mainstream we have to re-engineer the business around it", according to ANZ Australia's chief executive, Phil Chronican, who yesterday provided a glimpse of new ANZ systems scheduled for launch from the beginning of 2014.The bank has spent about A$150 million developing new digital platforms, Chronican said. He added that ANZ would invest a further $50 to 100 million annually for the next four years, with mobile banking featuring strongly both for consumer and corporate applications.ANZ was the first major Australian bank to launch a mobile banking application - goMoney - back in 2010. The bank demonstrated the revamped version of the app yesterday. It is slated for release in the first half of 2014. The more streamlined app, which will be available for iPhone and Android devices, offers the same account balance and payments functions as before and will also allow people to make payments using only the email address of recipients, although a version that will allow payments to social network contacts is also under consideration.The bank is also considering extending the app to allow customers to report lost or stolen credit cards using goMoney.ANZ claims there are now one million active goMoney users and that more than $56 billion has been transacted using the system. What could catapult these figures skywards is the planned introduction of voice biometrics, which would allow people to securely authorise goMoney payments above $1000 by saying a few words into the phone to verify their identity.While a working prototype was demonstrated yesterday, the roll out of such a system requires ANZ to complete the roll out of the SAP e-banking and m-banking systems, to replace an older Fiserv system. This is currently underway. The new platform should also allow the bank to take a more agnostic approach to different sorts of mobile phones and tablets, potentially allowing goMoney to run on Windows phones, for example.Certainly, mobile looms large for the bank. By 2015, Chronican said, ANZ expected the majority of transactions to originate on mobile devices.ANZ's small business customers are starting to follow consumers' mobile lead, with 40,000 organisations downloading the iPhone FastPay app, which was released in October 2012.FastPay allows credit card payments to be made using the smartphone. ANZ claims 7500 organisations are regular users and that they use FastPay to conduct eight to nine transactions each month.ANZ also demonstrated a portable point-of-sale device. This has now been provided to retailers, including T2 and Nespresso, and can link, via Bluetooth, to a smartphone loaded with the FastPay app to complete contactless payments.Demand for contactless payments is soaring in Australia. A report released this week by HP and RFi noted that 57 per cent of the population has a contactless payment card, and 40 per cent now use them.For merchants, the ability to turn a smartphone into a mobile contactless point-of-sale device will allow sales reps to receive payments anywhere and at any time. While there have been other attempts to turn smartphones into POS terminals