In Sweden we have a new verb - 'to swish'. I will 'swish' you 50 kronor later. Swish is an app for micropayments. Everybody (except a few old people) uses it. It is even on windows phone! I was at a 2 km long yard sale at the weekend. Everybody took swish and almost everybody paid by swish. Swish is coming - and it's not back by Nike, but by the banks (Swish is owned by all the banks here).