Nailed it again with this article. Consumers don't care about payment or mobile payment, but do care about Merchants and brands they trust. Trust enables opt-in permission for Merchant to communicate with their customer. Once permission granted, it's up to the Merchant to provide relevant and timely messages to keep the customer's interest and to keep them from opting out. Commercial transactions and payment will follow. Anyone trying to make this happen starting with mobile payment is not going to get satisfactory results.