The future of money depends on UXD.  As smartphones and tablets replace all things paper, and money is printed on paper, you don't have to be a genius to see where we're headed.  We've seen exponential growth in the use of smart phones and tablets.  

We've seen exponential growth in the use of smart phones and tablets. Smartphone sales in 2012 are expected to hit 1.8 billion units, while tablet unit sales are expected to climb to nearly 100 million. But with over half a million apps, new digital retail interface experiences and out-of-home social media habits, mobile use continues to be constrained by the slow proliferation of a superior User Experience Design (UXD). This is the biggest hurdle we face as we move toward a truly mobile future.