Our new Internet-savvy society is demanding change in how business is being conducted virtually everywhere. The old bureaucracy of the 20th century is no longer acceptable. Consumers are frustrated by the friction involved in the finance world and businesses are tired of paying fees everywhere including the multi-billion dollar rewards and loyalty industry. This cumbersome and costly system of payment is not keeping pace with modern society and business wants and needs. Today’s consumers are reported to be financially cautious, seeking both value and authenticity from the companies they do business with. They appreciate a system that promotes equality and choice, using technological and new creative means. Today’s millennials expect to spend $10 trillion during their lifetimes, so systems must adapt to their needs. Loyalty and rewards programs have come a long way since American Airlines and Marriott first introduced such initiatives in the 1980s.