Simple insights are often the most powerful. Of course consumers want ubiquity in a payment mechanism - spending money isn't a tribal thing. When you get a VISA card you aren't shutting yourself off from Mastercard-enabled retailers.  If the sell for mobile is simplicity, then it has to work across all cards, all mechanisms, all devices.  Without that it is a niche product, it can't scale.  Ubiquity means co-operation, or at least co-existence between the big beasts of tech and payments - or a third party that is able to aggregate the big beasts together to give the consumer what they want.