Karen, I suspect would argue as would my friends at Paydiant, AITE, Accenture and so many others that payments is simply table stakes for a mobile wallet. It will not ignition usage. Uber ignited usage, Delta's app ignite usage and Open Table could ignition usage. Do something useful, flag a taxi, allow me to change what seat I will sit in and what departure gate to walk to or let me book a table and maybe order my drink; those things will cause me to want to use a wallet.

Just let me tap and pay while talking on talking on the phone, I don't think so.