. . . . . . . . "The future of money how mobile payments could change financial services : hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Twelfth Congress, second session, March 22, 2012"@en . . . . "The future of money : how mobile payments could change financial services : hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Twelfth Congress, second session, March 22, 2012"@en . . . . . .