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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 have reached a point of disintermediation where we no longer even want to go to them, we expect that a tweet will be responded to substantively in a matter of minutes.
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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