4 personal finance technology trends for 2012
News from Yahoo Finance:

NEW YORK (AP) — If you’re one of the holdouts still paying bills with checks, tracking your accounts with pen and paper or clipping coupons from the newspaper, 2012 could be the year you take the digital plunge.

A host of budding personal finance services and applications are poised to go mainstream in the new year, and together, they will likely have a big impact on the way Americans bank, shop, and track their finances. Some of the services are web-based, but many take advantage of the proliferation of smartphones, which are now carried by one-third of U.S. adults — with more likely to join that crowd in the next few days after receiving the gadgets as holiday gifts.

Whether online or mobile, here are some personal finance technologies to watch in 2012:

— Mobile money

The September launch of Google Wallet was just one high-profile move toward the use of smartphones for payments, replacing credit or debit cards. The technology allows users to wave…………… continues on Yahoo Finance

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