Hi, with due respect, I completely disagree with the views expressed. Mobile Wallet is the future. Most countries Mobile Wallets have taken time to establish not because of consumer resistance, but because of the slow & conservative clearances from respective governments. In India, the rules have so entangled the concept that it has as yet not been allowed to reach the consumer the way it should be. I am convinced that in the next 10 years Mobile Wallet will be ahead of the traditional Credit & Debit Plastic card reach, which it has reached in the last 40 years.