Innovate

Now this is good. Boils down to this: Deloitte says that mobile payment etc can't really piggy back on existing bank based payment systems because the margins in the payment game are too slim. And where would the extra payment come from for the payment provider? The banks? The customer? I agree with Dave that participants in an industry are unlikely to originate or back the innovators that bring the industry to its knees, because the "out of the box" thinking that the innovators express cannot originate from within the industry.