You may ask yourself what are mobile payments, how long have they been around and to what degree (which? where?) they are growing. Your intro statement does sound like you just woke up after being asleep for 10 years. There is a big world out there. Easily some USD 10B in US alone (likely much more) have been wasted so far on failed "mobile payments" projects. Europe is not better, especially among large multinational MNOs.
In general, the established industry has very little to show. There are some islands of adoption but those so far have little to do with the projects you describe,