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The evolution of business is all about the reduction of latency and disintermediation through technology, as in the elimination of human action. We went from calling businesses during business hours, or visiting a location, to extended and 24/7 call centers and then email and then the web.
If massively succesful, Isis might disintermediate the companies that manufacturer plastic payment cards and perhaps the companies that make mag stripe hardware (e.g. I agree with Stefano that Dwolla is one of the few disruptors, gaining even more traction post their Finovate demo of real time debiting and crediting of transactions.
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