The problem with mobile payments is there aren't enough value added goodies to entice consumers to change, according to a survey by Accenture.
Accenture surveyed 4,000 smartphones users in the U.S. and Canada to find out why mobile payments haven't exactly surged. The conclusion of the report: Mobile payments need carrots to make them work.
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The results are notable because it highlights how the mobile payment pecking order could be upended. To date, eBay's PayPal is the mobile payment leader. Can eBay partner to deliver enough goodies to solidify its position? How about Google? Visa and Mastercard?
Mobile payment incentives would also encourage non-users to hop on the smartphone bandwagon. One in five non-believers in mobile payments would use those systems if they could get coupons.
Security, convenience of cash and credit cards and privacy were also big concerns impeding mobile payment growth.
In the end, developers need to think less about the technology behind mobile payments and the carrots and rewards for using those systems.