I fail to see how MCX will work at Retail without significant equipment & software updates let alone even become a standard. Many barcode/UPC readers have challenges with reading mobile screens. UPC readers at a POS expect to read a product barcode not a MCX method of payment barcode. It seems that all POS will need a significant software change at the POS and at the back-end payment processing part of the POS in order to support MCX. Not so easy to scale. How many wallets will a consumer have, I suspect when a consumer shows up at retail with whatever wallet, retail will take it. (Meijer)