Leaving the challenges in testing theories aside, applying the jobs theory to mobile payments and retail banking does lead to new insights on why and how consumers will adopt mobile payments and retail banking products in the future. This could affect how financial institutions plan their products in the future.
Another area where theories might help predict future - use of disruption theory to understand how non traditional financial service providers might disrupt traditional banking services in tapping the unbanked and underbanked population growing at a rapid pace around the world. I read in a report from Deloitte (Banking the Unbanked, 2012) that there are about 2.5 Billion unbanked and underbanked consumers in the world. Interesting item most of these people possess - a cell phone; sky is the limit for innovations in mobile payment services for this segment.
One area to watch though - criminals are likely to tap into payment services for unbanked an underbanked to escape the scrutiny over remittances through banking channels. So over time, Governments are bound to come up with simplified but effective anti-money laundering and other policies to prevent fraud and illegal activities through prepaid and mobile channels.