I have come across various sources from around the web that suggest that the impetus for a paradigm shift in payment processing is beginning to build in ernest. There have also been as of late numerous stories about central banks showing interest in launching their own crypto currencies. However, I think any such move will face some significant resistance from a number of entities, i.e., governmental regulators, legacy clearinghouses, et. al. Another hurdle any move towards this shift will be in educating and convincing the public at-large as to why the change is necessary and what benefits are to be had. A very interesting topic nontheless.