Dee Hock is still oddly unknown. He is the one founding CEO of a company that went on to do more than a trillion (yes, that is with a "T") in transactions: he founded VISA. Dee Hock fundamentally re-thought the very notion of money, realizing that its natural evolution would be towards bytes and bits. Money began in forms like pelts and shells and today is nothing more than electronic blips.
In yet another trend, in the last couple of decades, nonbank financial institutions have taken over more and more of deposit and credit business.
So, I'm sitting somewhere the other day, noting how many people have iPods or variants on them. Why can't they double as credit cards / wallets? Why not use them for purchases? When will Apple essentially become a bank? (Probably about the same time that kids begin to denominate all their transactions in songs.)