The payment app of the future will not be a payment app

The use of mobile payments is rising rapidly. The Federal Reserve found that 22 percent of cell phone owners in the US reported having made a mobile payment in 2014, up from 17 percent in 2013 and 15 percent in 2012. That is almost a 50 percent increase in two years. But still, no payment app has managed to really substitute traditional everyday cash or credit card payments. Together with the increase in users, the payment app market has literally exploded; you can choose between dozens of...

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