re: How to Make The Jump from Mobile Commerce to Mobile Wallets
I think mobile (or digital) wallet usage will still need a little while longer to catch on, but I think it will be earlier than several years. Personally, my biggest concern is security, followed by convenience. If you can convince me that I am absolutely safe using a mobile wallet, I would be more inclined. Couple that with making it as easy (as Mike Heindl suggests) as using plastic, and I would totally be on board in a heartbeat.
After all, it isn't unusual for me to go to a restaurant with friends and have to divide the payment four ways on a credit card since none of us carry cash at all. I would think many people encounter the same problem. Imagine if there was something we all could do with our phones that would instantly solve the problem?