JTKLEPP

For consumer behavior to change, you need a huge improvement over the existing experience. Taking my card out takes seconds, and generally works flawlessly. Ask yourself - will you feel good about leaving the house and only bringing your phone to pay? Most likely not. And this means mass adoption is not going to be there for some time. When paying with your phone means a) it works everywhere, b) it's fast and without technical glitches, c) you get a better experience than paying with your card (like not having to sign, which helps for US which does not have chip/pin, AND you get some additional benefits like on the spot discounts etc, etc), only then will there truly be mass adoption. But will we all eventually leave without our wallets and feel good about it? Highly likely.