just wait and see.... I do this for a living and believe me, the genie ain't never going back into the bottle.... in another 20 yrs or less, ATMs will be like payphones.... few and far between... everything will be done via your "personal device" and that is just the start... once they figure out how to use our brainwaves to activate general processes, devices will be internalized into the body.... after that it will be a short slide into the type of world portrayed in Terminator and other futuristic films like minority report... glad I will probably be dead in 30 yrs, cause I am not sure I would want to live in that environment