Commissions not float-the hidden goldmine in debit cards and mobile banking

I wrote an article for the blog ideasmakeamarket which can be reads at http://www.ideasmakemarket.com/2012/02/commissions-not-float-hidden-goldmine.html. The article's summary is that while debit cards and mbanking have been discussed threadbare, few  articles I've seen have highlighted this point, or even the similarity between these prepaid business models, which survive on commissions rather than on float