Nearly half of financial services, retail, technology and telecommunications executives believe mobile payments will be mainstream within two years, according to a new report from KPMG.

Buoyed by the response to its iPhone offering, eBay’s PayPal service has updated its Android application to let U.S. consumers transfer checks by snapping a picture of the document in yet another move that keeps traffic away from retail banking locations.

American National Bank and Guaranty Bond Bank now offer tap-and-pay as an option to pay for purchases at point of sale.

This year has been widely proclaimed as the year that mobile banking will move into the mainstream.

Mobile banking usage is set to double in the next three years, reaching 400 million people by 2013, according to Juniper Research.