An analyst's view of the payment industry

http://think-banking.org/thinknew/index.php/510-our-10-boldest-predictions-for-the-digital-payments-industry-in-2014

I'm personally unconvinced that NFC is dead.  It is the idea that operators will replace banks which died.
An "untangled" NFC such as featured in Android "KitKat" may revitalize the NFC.

Wallets is another strange thing.  To me a wallet is a device/function holding payment objects.  Converting the holder into a business seems like an awfully crummy scheme.
Well, physical wallets cost a few bucks but a SW counterpart is just a bunch of bytes and shouldn't cost anything.

OTOH, the only thing we know about predicting the future, is that it has proven to be impossible.
But we all try, don't we? :-)

Anders