This is my .02 BTC
Bitcoin will lower transaction costs for retailers vs paying via cc.
What they probably don't understand is what will be saved from charge backs or the lack thereof.
Not just retailers, bitcoin is changing the way many companies do business. New opportunities for MSBs and micro-lending especially.
I don't think micro-lending really would work with BTC as there are simply too many scammers out there and it is difficult to recover BTC once it has been sent/lent.