Twitter Founder, Jack Dorsey, has his new payments system called Square which is now out in the public domain. It looks great but begs the question when will we be able to drop the credit cards all together for payments? We have devices and they can be set to pin access only. We have apps on those devices which also can be secured so in essence the Credit Card is superfluous in the next decade in my opinion. I think what he has done is brilliant. The no credit card approach will win in the end, and hopefully it’s a good guy like Jack.