Dive Summary:

• A majority (53%) of mobile industry leaders participating in the third annual Sybase 365/SAP Mobile survey agreed that retail apps would be what end up driving consumers to embrace mobile payments.
• As for what would make a mobile payment scheme successful, 24% said location-based offers targeted at people near or inside a retail store were necessary, 28% favored better experiences at the point-of-sale and 25% felt that credit card-like near-universal acceptance of mobile payments was a must.
• When it came to who would be in the best position to lead the charge on the adoption of mobile payments, 29% said banks, 28% said online payment schemes like PayPal or Amazon Payments, 26% said credit cards and another 26% said operator consortiums.

From the article:

... The mobile payments market is definitely maturing. What began as a largely person-to-person payment method must now evolve to tackle the challenges of the retail environment. Mobile wallet apps must improve the payment experience for consumers, compared to previous versions, as well as compared to cash and credit cards. ...