If planners of the Isis mobile wallet joint venture had one thing to do over again, it might be to avoid such an early proclamation that a product launch in Salt Lake City and Austin, Texas would take place this past summer. That launch has not yet occurred.

Any uncertainty in mobile wallet development fuels speculation in an industry anxious to see what shape mobile commerce will ultimately take. In this industry, products that make it even farther than where Isis is today don't always work out.

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