The Isis mobile wallet, a joint venture of AT&T, T-Mobile USA and Verizon Wireless, proceeded with great caution in 2012, delaying its test launches and generally keeping most industry observers guessing as to where the initiative stood.

At the same time, Isis was keeping pace with the progress of Google Wallet, which launched a year earlier. Even though Isis began its test just two months ago, the venture works with a comparable number of issuers and phone models as Google — and with more carriers.

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