The two biggest pain points in the payments industry are convenience and security. Our most secure solution, cash, is pretty inconvenient. You need to know exac

The two biggest pain points in the payments industry are convenience and security. Our most secure solution, cash, is pretty inconvenient. You need to know exactly how much you are going to spend and need to get more from an ATM or bank. Our most convenient solution is credit cards, but these have proven to be fairly insecure because one account number is linked to many transactions which can be duplicated. If paying with your phone could give you the security of cash with the convenience of a credit card it would be disruptive. Let's wait to see what happens in the mobile payment space.