&gt;Will businesses? Probably not.<p>Sadly no. The current version of mobile and the web relies on claiming consumer spaces and trying to herd users into them so they can be farmed.<p>It&#x27;s a top-down control model.<p>Thinking in terms of bottom-up user value without imposing top-down control is alien to corporate psychology - even though if businesses agreed open low-friction global standards for payment processing and other kinds of interaction, possibly with some kind of profit sharing, they&#x27;d likely do better in the medium to long term.