"The growth in contactless payments, as measured by value, jumped more than 280 percent, and eCommerce spending represented as much as €1 out of every €5 spent through Visa in Europe. The bottom line: Clearly, mobile adoption has a significant runway through Visa Europe ..."

Bear in mind that the explosion in "contactless" payments in Europe (and Australia) is due to the ubiquity of the EMV card and has nothing to do with any "mobile adoption" ...

Apple Pay: still an answer to a problem that does not exist ...