Article: Smartphone Payment Apps: Are Developers Making The Right Call? Mobile smartphone applications for almost every financial task, including payments, quickly are emerging. Experts say such applications are grooming more consumers to view their phones as electronic wallets.(Cover Story)

Byline: Nadia Oehlsen

Critical mass is a key driver of any movement, whether it pertains to bicyclists trying to cross a busy intersection in China or trends nudging consumers and businesses toward wider use of mobile payments.

After nearly a decade of schemes to transform mobile phones into virtual payment card wallets and point-of-sale terminals, the evolution toward widespread mobile-payment use has a new link. Mobile applications downloaded to so-called smartphones now lie somewhere in the evolutionary process between person-to-person funds-transfer schemes launched nearly a decade ago and contactless Near Field Communication mobile phones that ...

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