"The potential for growth in the Internet-enabled market for digital content is nearly limitless. Although online social gaming appears to be the initial point of entry for innovative payment providers (including the Facebook-PayPal alliance), digital publishing of text, music, software, video, etc. will greatly extend the digital content market. As this market grows, micropayment solution providers intend not only to grow with it, but also to transfer their success into the larger offline and e-commerce domains."

Patricia McGinnis, Director, Banking Advisory Service (CCDC) and author of Social Networks and Consumer Payments: Disruptions Ahead! Or the Games People Play.