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POST Will payment trends continue?

I happened to be reading

Instrument Change 2013-2018E
Cash down 33%
Check down 50%
Credit Card up 64%
Debit Card up 48%
Electronic up 62%

I think that as a longer-term guide these figures are misleading, because I am convinced they underestimate the impact of instant payments. If the US banks are sucessful with Zelle, I'd expect to see electronic payments grow more rapidly at the expense of cash, checks and cards as we shift to an app and API infrastructure for payments.

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