This post is produced by Fjord.

We’re about to enter an age when mobile apps and services adapt themselves to you, morphing themselves to present exactly what you need at any particular moment.

This era of “living design” is poised to reshape the way we think about mobile tech.

Mark Curtis is the chief client officer for Fjord, a design company that designs and builds services for companies in various industries.

He joined us at VentureBeat’s recent MobileBeat conference in San Francisco for an onstage discussion of “living design,” then explained the concept to us in the video above.

To understand what Fjord means by this, take a look at one sector: Banking. Customers are flocking to mobile apps at an unprecedented rate, Curtis says. At BBA Spain, customers did as many mobile transactions in first two months of 2013 as in all of 2012. Fjord client GarantiBank reports that over 30 percent of digital transactions are now happening on mobile devices.

To capitalize on that trend, Fjord helped GarantiBank build a remarkably forward-looking app, called iGaranti.

With this app, you can go to an ATM — without an ATM card — and use a QR code on your phone to withdraw money from the machine. The same technique works for paying bills in restaurants and stores.

Voice control is also part of the app, using voice recognition to log in. You can use commands like “Pay Big Tony $500” to set up a payment to a friend, and the app will make it happen.

“It’s getting very very close to what we see as the future,” Curtis explains.

What he means: We’re now entering the era of “living services,” where many different services with interactive user interfaces will surround us throughout the day, interacting with each other and changing in real time in response to the customer’s particular needs at that particular moment. The iGaranti app gives a preview of what that might look like.

“It makes the bank come alive in front of you,” Curtis says. “And that is the future, we think, not just of financial services, but of all services.”

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