I don't see mobile payments becoming the de facto payment method any time soon, at least in the United States. I do think that we'll see more offers or coupons that can be linked to a payment/credit card on mobile devices - and I think that this is the scope of mobile payments moving forward. Apple's Passbook is a good example, and other companies (Dunkin' Donuts' springs to mind) allow you to link location-specific offers to a payment card at the point of sale.