I observe development of micro-world with a lot of curiosity. At the beginning of IT evolution there was a big computer (or, more preferably, a calculator). Mini- and microcomputers appeared much later. All transaction processing and payment systems evolve in the exactly same way – there were pebbles at the beginning, then money appeared, and now we have cheques, credit cards, electronic purses (which haven’t succesfully rolled out into the market) and, what’s more recent, a range of different kinds of micropayments. What will be the next step? Physical form of money is slowly disappearing, as well as computers are being embed into the environment in a way we are hardly able to call them computers.