"What that survey didn’t distinguish was use in-store, but it did hint at several other things that help position PayPal for momentum in that channel." I may be missing something else but the fact that comScore's survey didn't distinguish in-store (proximity) payments from online payments (which can fall under the 'digital wallet' umbrellas of Masterpass, PayPal, etc), could mean that survey respondents interpreted use of PayPal as topping up their Starbucks account from their phone using PayPal mobile or paying a friend " ". Would have been nice to be assured that PayPal's 72/48 numbers were representative of in-store (proximity) pay only. I have a hard time believing that this is the case, based off of my own PP experiences with the PayPal mobile app and the quote above. Great article, nonetheless.