Obviously mobile wallets are a hot topic right now (or I wouldn’t be penning this post) and the dizzying number of ways to implement features means that there is not a single path to success.   Consumers are slow to adopt as a whole, but eventually they decide what makes sense to them and a majority (or enough for critical mass at least) take to the new technology in droves.  Facebook, Twitter, WordPress, and a myriad of other services that didn’t exist a decade ago are now the new norm — used by millions (more than a billion in some cases) of