An article in Letstalkpayment.com on January 5th discuss mobile trends and directions for 2014. I agree in general with the main key drivers for mobile wallet success as of LTP;
- Merchant acceptance
- Solution cost and functionality
- User acceptance
- Company credential and future potential
- Consumer centric service that integrates mobile payment with commerce (offers/coupons) and loyalty
In the chicken and egg race for mobile payment (merchant/consumers), merchants have to lead to get consumers places (and many) where to pay with the mobile.