John and BIGcast regular Chuck Davidson of Card Free discuss mobile adoption, merchant wallets, mobile app adoption, customer experience and donuts.  

In this episode:  

• Why cash is still king, and what this means for merchant wallets and mobile adoption.
• The importance of training front-line workers on the features and functionality of mobile payments, how this translates into a value proposition for customers, and what drives app adoption.
• Chuck presents case studies on some of the companies he has worked with to develop mobile payment apps, focusing on how they tapped into the customer experience.
• The threat merchant wallets pose to financial institutions.
• Who should own the merchant wallets in an organization?

The challenge mobile aggregators present to financial institutions, and the interchange effects.