As 2015 recedes from view, it is important to remember it as the first full year of a new mobile payment regime. The concept and reality of point of sale (POS) mobile payments gained new legitimacy as Apple Pay continued its broad rollout, Android Pay and Samsung Pay were first announced, along with a host of other smartphone-based consumer payment services. Early evidence is that smartphone-enabled consumers are trying these services and finding important value in them. Broad consumer adoption will take time and effort, however, on the part of all payments stakeholders.
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