Henry Helgeson, CEO
Right now, I don't think there is a clear leader in the mobile wallet space. I think there are a lot of great contenders out there. Certainly, partners like LevelUp and ISIS, are out ahead. ISIS has the backing of three major carriers out there in the U.S., so it's impossible to ignore them. And also, I think their product set is pretty cool, and their offering to consumers is something that I think is going to be adopted pretty quickly. Players like PayPal out there with their empty hands transactions, is certainly a competitor with that many PayPal users already out there. But I'm not sure there is a real clear cut wallet leader right now, nor is there a clear cut technology.
We don't know if the wallet of the future is going to be Geo-Location or QR-based or NFC-based. There are some people who still think it may be card based. I just don't think at this point we can really determine who is leading in the wallet space nor can we even determine what technology is leading.