Mobile payments has always sounded cool. It’s fun for consumers, refreshing for merchants and a chance for new players like mobile operators to get a piece of the action – what’s not to like? But the industry is horribly fragmented and has been locked in a ‘battle of the business model’ for years - the old versus the new, the disruptors and the incumbents. It’s a mess that hasn’t been helped by constant uncertainty over technologies, security and standards. Worst of all, the user’s voice has become silent in a debate that has degenerated into a conversation of self-interest – focused on the ‘how’ rather than the ‘why’.