i think banks will be among the first to adopt the technology that bitcoin is working towards. credit card fraud & identity theft costs banks and institutions a tremendous amount of money. legal fees, reimbursements and write-offs are expenses that cut directly into profits. so i think that the ability for large institutions, banks, payment processors & even data storage systems would all choose to use bitcoin as the back end for their businesses. not only for transactions as cash currency (perhaps serving as a back-end for a point of sale system for visa/mc and all global payment processors) but especially the money related things (stock and futures exchange markets). instant settlement opens new doors for trade. and because bitcoin automatically provides a low cost evidence trail, i would expect fraud & identity theft would have a new kind of deterrent. i think these factors will have such direct impact on the profit & loss for each business and their bottom line. especially the banks. without bitcoin, banks have losses from ID theft & fraud, often leading to reimbursements or other expensive litigation. with bitcoin, banks and payment processors can mitigate these types of loss. that's why i think they will be among the first.