Retailers are generally enthusiastic about the potential of mobile payments, but more than three-quarters cite uncertainty and the confusing proliferation of services as a major challenge, according to RSR Research. "Retailers certainly seem to say they are not going to invest this year. The way I read it is, if the other players in the payments space would get going on some standards and a method of adoption that they can roll out quickly to consumers, then we may all be surprised at how quickly retailers move to join in," said Nikki Baird, Denver-based managing partner at RSR.

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