Mobile financial services offer convenience and accessibility. Devise a strategy to design a user-centric mobile app that integrates banking, payments and remittance services. Discuss how the app can cater to diverse user-demographics and used to foster financial inclusion.

Suppose, you are working in a traditional bank which is looking to embrace online banking to meet evolving customer preferences. Prior focus is given on by your bank on user-friendly interfaces, secure authentication methods and real-time transaction tracking. Mention the steps, appropriate according to you, the bank should take to successfully implement online banking services. Discuss how the online banking can enhance customer engagement and operational efficiency.

Analyze the role of Agent Banking in extending financial services to underserved/unbanked people. How the Agent Banking leverages mobile technology and local agents to provide banking services in remote areas? What, according to you, are the challenges of connectivity, trust building and regulatory compliance linked with effective implementation of Agent Banking?

Imagine you are responsible for integrating e-commerce and m-commerce platforms into your bank's services. The plan includes seamless connection of these channels, enabling customers to make online purchases and mobile payments. It also includes addressing the security measures, payment gateways and customer data protection. Discuss how this integration can enhance customer experience and revenue streams for the bank.