This year’s report from EY draws on detailed research and client insights from EY industry professionals, supplemented by an online survey of 6,000 consumers in 12 countries worldwide across four continents. The research points to three key findings: 1. Mobile payments are set for a new wave of growth, but disruption is rising in a blurring industry landscape. 2. Strong enabling environments are vital to the long-term success of mobile payments. 3. Operators must widen their service offerings, leveraging existing capabilities in customer information and location sensitivity as they refresh their partnering agenda.