The problem with the mobile revolution is that it has been “coming” for so long without ever actually fully arriving that the idea of eminent ignition has become somewhat easy to discount. Mobile has been technologically accessible to a mass number of Americans for almost a decade, merchants are starting to come around (or be swept along as EMV upgrades often come part and parcel with NFC capabilities) and big name players like Google, Apple, PayPal and Samsung are staking out their space and going after the emerging mobile market.

There’s just one problem – consumers at real-world POS are still using their credit and debit cards. The InfoScout/PYMNTS Apple Pay Transaction Tracker reports that 85 percent of those who can use Apple Pay (have the appropriate device and are at a physical merchant that will accept it) don’t because they either like how they currently pay, or just forget entirely that mobile is an option.

See the rest… PYMNTS.com