The booming self-managed superannuation fund sector has been an important source of deposits for banks in recent years but new research suggests the good times might be coming to an end. According to a survey of SMSF asset allocation by CoreData, low interest rates are prompting fund trustees to look at alternatives to cash. Almost one-third (32.5 per cent) of trustees said they planned to reduce their cash holdings, with Australian and international equities the most popular destinations. Commonwealth Bank has made two upgrades to its Kaching mobile banking service. Users will now be able to change their card PIN through their mobile banking app. And Kaching now incorporates a BPay QR code reader, which allows users to simplify the payment process by using their iPhone camera as a scanner. Australian Power and Gas and Sydney Water have announced that they will put QR codes on there bills and other are expected to follow.