"Banks are also pushing such prepaid products, but many of these institutions cannot match the ubiquitous Wal-Mart’s ability to sell credit products to consumers. Over the past decade or so, Wal-Mart has tried on several occasions to obtain a bank charter but has been repeatedly beaten back by the banking industry.

Now, with Bluebird, Wal-Mart customers could conceivably cut banks out of their lives, some analysts said.

“What’s interesting about this product is that anybody can manage their money on a day-to-day basis without ever really having to step foot in a bank branch,” said Jennifer Teshcer, president and chief executive at the Center for Financial Services Innovation, a think tank. “Banks will continue to play an important role in safeguarding our funds,” she added, “but whether they will continue to be the front door for the mass market is what’s at stake.”

According to a recent government survey, nearly 1 million households exited the banking system from 2009 to 2011. One in four American households, or 28.3 percent, had one bank account or no bank accounts as of last year. A third of these households told researchers that they did not have enough money to open and fund an account."

Buy Paypal or Square?

I want to know why Facebook isn't trying to do something like this.

Beacon.

Still, THIS kind of targeting makes sense to me.

Facebook Sponsored Stories? Not so much.