Really Interesting article. But regarding the question re the next payments idea. For an idea to work and become universal, there has to be a need, a problem to solve. Obviously there was then and the ATM came into its own. I don't see any major problems re payments for the consumer in a snow storm today, except the only way to buy anything is locally or on line, and that can't be delivered.On the other hand, if I was Apple having made $18 billion profit in a quarter, I think I would employ some very bright boys to make my Apple Pay really work! When did we last spend any money to promote cash? Maybe it's so good it doesn't need promoting - that's what people thought about their Nokia mobiles around 15 years ago!!And remember what they say about Apple marketing and product development - "They give us what we want before we even know what it is!"