Would like to see the banking industry disrupted even more in 2012+, such as by Dwolla, which was covered in the mainstream media yesterday in this good 2-minute CNN video clip: http://goo.gl/ISZ9C (Note: I've got nothing to do with Dwolla, just supporter of disruptive companies like them.)
What's disruptive about Dwolla? PayPal has always let you fund payments by bank transfer and person-to-person payments are free to send and receive. As far as I can tell reading their site, they are PayPal without 90% of the features but a better mobile app, and the only benefit for merchants is the introductory $0.25 pricing. If ACH-funded person-to-person payments are going to disrupt the banking industry, why didn't it 12 years ago when PayPal started doing it?
In addition, Paypal is currently making $$$ on ACH payments that they charge their full fees for. They can flip a switch and change those back to free or $0.25 and kill any Dwolla advantages.
