Ha, not one of them can - within the next 5 years - foresee a complementary currency emerging that will be embedded in an app, and linked to a sustainable lifestyle rewards system.

When punters can buy stuff using 'lifestyle reward points' rather than money or in part-payment for money, via their phone, then paying for stuff will become an elevated experience in iteslf that makes you feel good.

I thought it was obvious that mindless consumerism was giving way to mindful consumerism. It certainly is over here in England's north west where we have a greater regard for the planet's resources than your US based industry leaders.

Leaders my arse. Business has changed. Time they wised-up.