It's still way too early to draw any conclusions here. I think that apple should do a better job at promoting this feature. As people start transitioning over to the iPhone 6 with NFC capabilities, it goes without saying adoption will follow.

Any time there is disruptive technology introduced it can take time for adoption to kick in. I'm optimistic and expect 2015 to be a huge year for mobile wallets. I also expect more players to come along.