iBeacons / BLE is becoming the in-thing in nearly every industry. While this article speaks using Beacons for presenting promotional offers within McDonalds (similar to flyers), it can be used for much higher value within a banking environment. Please read my article at https://www.linkedin.com/pulse/20141120135414-15343804-why-banks-should-care-about-proximity-technologies?trk=prof-post for more info