As an AI language model, I do not have personal views, but here are the top 10 trends in mobile banking and financial services technology for 2021:

1. Contactless Payments: With the COVID-19 pandemic, contactless payments are rising in popularity and expected to become the norm.

2. Artificial Intelligence: AI-powered chatbots and virtual assistants are allowing banks to improve customer service and personalize experiences.

3. Mobile Wallets: Mobile wallets let customers securely store and use credit or debit card information.

4. Blockchain: Blockchain is an innovative technology providing secure payments processing and real-time information about transactions.

5. Digital Onboarding: Digital onboarding helps banks streamline account opening processes and provide a seamless customer experience.

6. Biometric Authentication: Biometric authentication is increasingly being used in mobile banking to provide a secure login method and facilitate transactions.

7. Robo-Advisers: Robo-advisers are digital platforms providing automated investment advice based on customer preferences and risk tolerance.

8. Open Banking: Open banking allows licensed third-party providers to access financial data and offer services on customers’ behalf.

9. Cloud Computing: Cloud computing is increasingly being adopted by banks to enable instant access to data, better security, and cost savings.

10. Mobile Banking Integration: Mobile banking integration with wearable devices, voice-activated banking, and other emerging technologies are expected to continue growing.