David Marcus, president of PayPal Inc., second left, speaks while Kym... News PhotoCalifornia,Electronics Industry,Equipment,Executive Producer,Finance,Founder,Horizontal,Listening,Meeting,Mobile App,North America,Portable Information Device,San Francisco - California,Seminar,Smart Phone,Talking,Technology,The Americas,USA,Vice President,Wal-mart,Wireless TechnologyPhotographer Collection: Bloomberg 2012 BloombergDavid Marcus, president of PayPal Inc., second left, speaks while Kym McNicholas, executive producer at PandoDaily, left, Gibu Thomas, senior vice president of mobile and digital for Wal-Mart Stores Inc., second right, and Kevin Talbot, co-founder and managing partner in Relay Ventures, listen during the Open Mobile Summit & Appcelerate conference in San Francisco, California, U.S., on Wednesday, Nov. 7, 2012. The Open Mobile Summit, now in its fifth year, brings together the most influential and innovative in the mobile industry to provide a vision of the new ecosystem. Appcelerate returns for the third year joining together app developers to share the secrets of their success. Photographer: David Paul Morris/Bloomberg via Getty Images