When you combine Apple's massive cash reserves, existing iTunes multi-currency capabilities and ubiquitous hardware it seems fairly straight forward to me - Apple should get into international personal banking.*

(*Probably best if they get someone else to write the software but that's an implementation detail)

Signs and portents:
* Banking is going mobile (for example mPaysa etc.)
* People are becoming more mobile - increasingly you can expect to live in many different countries in your life
* A greater percentage of person-to-person transfers are small (ish) amounts cross jurisdiction