Major developments in payment systems lie ahead. Dave Birch from Consult Hyperion in the UK says, "I can detect a growing mood in favour of a return to community-based banking and other financial services, a return to a kind of social enterprise. This may spill over into payments as well, and the experiments that we see all around us in local, alternative and community currencies (such as the Brixton pound in London) might transmute through the use of easily accessed technology into a genuinely new phenomenon that will take us into uncharted waters."