I don't have any specific expectations of what disruption would look like...

It could be as incremental as a new credit card issuer (i.e. similar to the rapid emergence of Capital One in the 1990s) with a better customer-facing experience and UX. Something similar to what Bank Simple (www.simple.com) is doing now with debit and "card as an app" but for credit.

It could be as complex as developing an entirely new closed-loop payment network to compete against the likes of Amex/Discover that could do away with the bulky 16-digit card number system that was never designed for online payment in an increasingly online world.

It could be an entirely new consumer credit product with a completely different structure and terms than traditional revolving credit lines that gives the other half of America that would otherwise revolve a little more breathing room.

Or maybe we'll be paying with our elbows in 10 years.