The customer will be able to select between account providers (e.g. credit providers, deposit accounts) or locally stored value. Acceptance will be universal (with common cross-network payment protocols) and value-transfer instant. Multi-currency capabilities will become normal. Customers will be able to make contact payments or send funds to any other unique identifier (e.g. email address, phone number, bank account, credit card number, etc.). Transfers of locally stored value may be both traceable or untraceable, depending on service provider, as a result, removing removing the last powerful incentives to use cash – privacy, tax avoidance, lack of access to banking services. Cards will remain popular, as they are quick, effective, allow easy compartmentalisation of spend and don’t run out of power.