Thank you for this super meaty post, Karen! It's very informative, not to mention fun to read.

And as a millennial and a user of PayPal and Starbucks apps, I have to say I'm a fan of mobile payments and I'm looking forward to seeing more merchants on board.

PS: Love this post so much I included it in our weekly retail roundup: http://blog.vendhq.com/post/64901825108/week-retail-mobile-wallet-insights-advice-shoppers-merchants-3-must-reads ;)