Researchers are looking at developing credit cards with voice
recognition in them (see http://www.overclockersclub.com/?read=8291577
). I'm looking for some background on the most bleeding-edge (with a
"wow!" factor) technology being applied to credit cards. For instance
-- Any plans to use fingerprints in it? Advanced fraud detection? The
next generation of disposible cards? Is the card irrelevant and all
we'll need are chips in our PDAs?

I don't need all those questions answered -- just some ideas of what
I'm looking for -- the future of how we'll be using our credit cards. 
I am under deadline for this, and need an answer by 9 AM PACIFIC time.