Analysts continue to make predictions about mobile payments that don't just vary considerably - they literally range in orders of magnitude from one to the next. After years of talk, planning, and building, mobile payments are indeed increasingly making inroads in the payments world, but how deep will those inroads actually go? The simple truth is that nobody knows for sure. Consumers are notorious for saying one thing and then doing another, so accurately predicting the eventual penetration of mobile payments remains a hazardous task. This session will explore consumer data that describes preferences in payments types and propensities to adopt a mobile wallet, exploring some of the advantages - and roadblocks - that will impact the trajectory of mobile payments going forward.