“Merchants are still slowly upgrading their retail point of sale (POS) systems to support various mobile payment options while new payment options keep showing up. No merchants have provided a complete list of payment solutions that their POS terminals support, neither do payment solution providers offer a complete and up-to-date list of merchants accepting their respective solutions. Consumers have to second-guess which payment option they could use. In a situation like this, a consumer usually uses his credit card instead.”, says Harry Wang, Senior Director of Research at Parks Associates.
From the article "The future of mobile payments – are there too many options that are confusing consumers and merchants?" by Scott Salaske.
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