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Mobile Minutes: Apple?s iOS programming language; Mobile-only bank Atom; Mobile-only Black Friday; Beacons still not big

Apple created the new Swift programming language as a better way of building apps for the iPhone, and it was a welcomed thing. Today, about 18 months after it was first unveiled?much to the surprise of the digerati?the language is finding a home on real-world mobile devices.

Atom, a U.K. mobile-only bank, can be as disruptive to the banking industry as Uber has been to taxis, according to the lender's chief executive, after it received a £45 million ($68 million) investment from Spain's BBVA.

If you?re looking to save money this holiday season, take a few minutes after reading this to begin downloading retail apps.

Hari Gottipati, an independent tech consultant, saw the future of shopping in 2013. In its annual update to the software for its mobile devices, Apple had just made it possible for its phones to allow super-precise location services?and that would be a major coup for the staid world of coupons.