Apple will also find substantial competition from efforts of Visa (V), Master Card (MA) and Verizon (VZ).

FORBES: Apple's New iWallet Patent Hints At New Killer App

If outsourcing call centers cut costs for American Express (NYSE:AXP), it also does for its credit card competitors Visa (NYSE:V) and Master Card (NYSE:MA).

FORBES: The Unintended Consequences of Outsourcing

Amrita Mahale, who earned a master's in engineering from Stanford, is among employees on an H-1B visa at Pocket Gems, the California game company.

WSJ: Visa Demand Jumps