1. How long do you think it's going to take to get to all virtual cards? How many years? (1 point)
I think it would take at least 10 years because the first 5 years would all be research in development in technology because as of now technology is just starting to fully develop for example the introduction of NFC and mobile

b) Why? (1 point)

2. Who will not be on board with this new virtual wallet? (2 point)

3. What companies are going to be affected negatively by this? Name 3

4. Who is going to make money from this? Name 3