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Todd Ablowitz, founder and president of Double Diamond Group LLC, a Centennial, Colo.-based payments consultancy, says XipWire’s market-by-market approach to educating consumers and promoting usage could work well. But systems that require registration face hurdles, he cautions. “Pre-registration of anything has had very poor results, with the notable exception of PayPal,” he notes. He also questions texting as a basis for mobile commerce. “Text-messaging will be limited to non-point-of-sale transactions,” he predicts. “It’s too clunky while standing at the point of sale.”

Digital Transactions, January 28, 2010