Visa's Bruce Mansfield told the Smart Cards Summit that Australians born in the late 1980s and 1990s did not focus on cash and cheques, but on mobile phones, ring-tones, PCs and Ipods. He called them "generation P" and claimed that 50 per cent of payments made by this group were "plastic payments".Unlike during the 1990s when the smart card revolution was predicted and then failed to materialise, the EMV technology was much more relevant now to the younger generation of consumers.He might have called them the pre-paid generation. Having been introduced to commerce through the ubiquitous pre-paid mobile phone, teenagers and young people are to be the target of pre-paid Visa card marketing. Last week, Bill Express executives Julian Little and Ian Christiansen told The Sheet that their pre-paid Visa, the Bopo card, would appeal most to young people brought up on pre-paid mobiles. Its SMS transaction capability would sweeten the deal for a generation that has seen mum and dad struggle with credit and debt.