Never call an accountant a credit to his profession a good accountant is a debit to his profession.
Credit or debit cards for starters are nothing short of shoppers' Novocain. Even in the age of digital purchases and virtual money we still attach a special value to dirty paper with pictures of presidents on it. Handing some of that to a cashier simply hurts more than handing over a little sliver of plastic.
IBM has taken a leadership role in this area and is prepared to be a technology partner with companies around the world to take advantage of these new developments.