By Allison Ward, Account Director, Walker Sands Communications

Excitement over the future of mobile wallets has skyrocketed throughout the last year—and for good reason. According to the 2015 Global Payments Report from e-commerce processor and acquirer Worldpay, total U.S. spending via mobile devices is expected to reach $647 billion by 2019—nearly one-fourth of the global e-commerce industry.

While mobile wallets may be closer to reaching their full potential than ever before, a fragmented payments landscape continues to hinder widespread adoption. From device specific mobile wallets—Android, Apple and Samsung Pay—to retailer-driven mobile wallets from Walmart and CVS, consumers face the challenge of choosing between a variety of mobile wallets for different use cases. The emergence of bank-driven mobile wallets such as ChasePay only further complicates matters. Although each type of mobile wallet is significant in its own way, contrasting applications often lead to a disjointed payments landscape for consumers.

Integrating loyalty programs into

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