Westpac will roll out a range of new online, point-of-sale and mobile payments upgrades over the next few months as it attempts to keep pace with rapidly changing banking and payments behaviour. Service upgrades include a new internet banking platform, contactless payment capability for smartphones, contactless and mobile point of sale terminals and a global alliance for free ATM usage.The chief product officer in Westpac's Australian financial Services division, David Lindberg, said customers would be migrated to the new online banking platform progressively over coming months.The new platform is modelled on the bank's iPad app, which uses the "jam jar" design concept - the customer's landing page will no longer look like a ledger book. Customers will have more options to customise the page.Balances will be updated in real time. Customers will have three years of searchable transaction history, more alerts about issues such as overdraws and an aggregation facility that will allow them to view accounts with other institutions on their Westpac page.Lindberg said there was no slackening in the pace of the digital banking revolution. More than half the log-ins to the bank's online service now come via mobiles. Contactless use is exploding, with 54 per cent of debit transactions now contactless (the proportion is 60 per cent if only scheme debit cards are counted).Sixty-five per cent of Westpac credit card sales were originated online in the first couple of months of the year.In other developments, an embedded contactless payment facility (not a sticker) will be available in Samsung handsets. Lindberg said the bank was scrapping its entire fleet of point-of-sale terminals (it has 15 different models in the market). The new terminal will be wireless and Bluetooth enabled. The bank will also issue a mobile point of sale terminal.The global ATM alliance involves agreements with overseas banks to allow customers free access to ATMs. Westpac has agreements with Bank of America, BNP Paribas, Barclays Bank and others, involving a total of 50,000 ATMs around the world. Customers will be able to find them by searching their Westpac app.Because Westpac has an old core banking system its ability to keep up with IT-driven banking innovation has often been questioned. The chief executive of the Australian Financial Services division, Brian Hartzer, said: "A lot of our innovation is designed to solve customer problems in our distribution systems. Our core is not a challenge for us there. "We would like a brand new core but that was not the priority. Online is the big growth area and that is were we put the money."