Square Wallet is actually also an in-between technology; I think that near-field communication, or NFC, will either be the tech or be the basis of the tech that eventually replaces our credit cards. (Our primer on NFC can be found here.) NFC payments let you simply tap your phone to a point-of-service machine rather than opening an app and scanning a visual code on the phone's screen--it's more convenient and faster than a QR code. Square Wallet is a slightly diluted vision of the future; it has about one and a half steps more than the eventual solution will have, but it at least resembles the future. Also, it's in Starbucks, and the Square Wallet app can be used by pretty much any smartphone, unlike NFC, which is only available in a select few Android and Windows phones. So people can experiment with this fairly easy, nonthreatening thing, and soon when the time comes to cut up all your credit cards and throw your wallet in a box in the basement? They'll be ready.