content: "As U.S. consumers use more smartphones and mobile devices, it would seem natural for them to ditch their physical wallets and make digital payments whenever and wherever they could." Why would it seem natural?  Pay attention to this kind of leading in articles - that's the essence of propaganda and that's the part of the article that matters.  They want to shape your behavior and they want to do so by altering your perceptions ever so slightly in hundreds of different ways.  This "nudging" is where PR/marketing is focused in 2015 and if you pay attention with a critical eye you'll see it everywhere.