If you mean to the consumers, I think the big difference will be that you won't have the barriers to carriage. Will it cost you less to have a virtual card, a virtual Visa or MasterCard, than it does...? Well, it doesn't typically cost you to carry a Visa or MasterCard that you are provided by the bank, and I don't think that will change in a mobile, but--
On November 2nd, 2011. See this statement in context.