They are something most people seem to want. Surveys support that. Also a majority of people own smartphones, which can handle payments easily, but they just haven't taken off yet. The main reason appears to be the lack of coordination between the various parties who can make it work. That includes mainly the banks, terminal providers and retailers. When using your smartphones to pay for things you buy becomes common, it will likely happen quickly. All the elements are there. They just haven't come together very well. Here's one take on it.
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