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I am also doubtful how much the pricing of a mobile payments startup will ultimately undercut Visa/Mastercard/banks or Amex. If a mobile payment service is going to establish a processing network, extend credit to consumers, provide incentives to consumers (reward points or cash back), and police fraud, I struggle to see how much it will undercut current pricing. That’s particularly the case because payments is a business with huge economies of scale. If a new payment system is not going to do all of those things, then it is either relying on portions of the existing payment infrastructure or exacerbating the question of why a consumer would use it. As an example – if my credit card gives me points or cash back, what is my incentive as a consumer to use a mobile payment system that provides neither?
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