In the Economist of February 24 there was an article on 'Bankless banking' or Person-to-person banking. You can find the article at http://globaltechforum.eiu.com/index.asp?layout=rich_story&channelid=3&categoryid=5&title=Bankless+banking%0D%0A&doc_id=8208

This is an example of what we have been calling the EDGE Architecture - if you had a chance to see me talk about Software Architecture at the EDGE at VSLive or watch the video you saw me calling out capabilities that exemplify this architecture - while this scenario does not highlight all of the capabilities I think this is a sign of things to come.