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Heather Landy
JUL 20, 2009 3:09pm ET
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Citi: Right Direction, But Small Steps

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There is no denying that Citigroup Inc. is making progress in its restructuring efforts. But is it making enough progress?

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Facebook Moves into Payments
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Facebook's securities filings show its Facebook Credits digital currency business is exploding. Does it pose a serious threat to banks?
Yes. Facebook Credits threatens to cut off banks from transactions and customer data.
No. A system the enables users to pay for online games and page upgrades is a harmless niche.
Maybe. It depends on whether Facebook makes an aggressive move into ecommerce.

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