There's still a gap in the mobile ecosystem that forces people to cling to leather and plastic, but there may be a way to shift to a mobile-only economy, contends Credntia's Cody Winton.

"Apple Pay, Android Pay, Samsung Pay and other apps try to solve financial hiccups, where users pay for things," said Winton, CEO of the Birmingham, Ala.-based digital ID company. "We are focused on identity and proving who you are."

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