Better and different -- convergence and divergence
http://www.globalchange.com Divergence or convergence? Consumer focus, IT systems, software and mobile phones. Multiple devices and systems. Multiple capabilities and features. Innovation, divergence, new products and services. Conference keynote speaker and Futurist Dr Patrick Dixon.

Banks will become phone companies and telecom companies will become banks. Mobile payment systems, micropayments, mobile phone credit card transactions and loans. Economic impact of remittances from foreign workers using SMS credit to avoid foreign exchange transaction costs. How biometrics fingerprint technology will allow large mobile phone payments. Commissions and interest charges on loans. Impact of revenues from American Express, Visa, Delta, Access, Mastercard moving to mobile phone transactions. Conference keynote speaker and Futurist Dr Patrick Dixon.