New developer APIs will make in-app and mobile web integration simpler.In-app: Android Pay is already integrated into a limited number of apps.

That could further broaden the wallet s addressable audience, since mobile users tend to spend the majority of their commerce-related shopping time in browsers but complete purchases at a much lower rate than PC users due to friction associated with slower connections and small screens.

Loyalty: Android Pay users can add loyalty and gift cards by selecting a deep link via an email, SMS message, or push notification.

Google s expansion of Android Pay s use cases could help make Android Pay more competitive while accelerating adoption and pushing users to test the service.Mobile wallets have lagged in adoption because limited in-store and in-app acceptance has hindered habit formation among potential wallet users.

But as loyalty programs are integrated and more consumers rely on their mobile wallets for other features like in-app payments, adoption and usage will surge over the next few years.Evan Bakker, research analyst for BI Intelligence, Business Insider's premium research service, has compiled a detailed report on mobile payments that forecasts the growth of in-store mobile payments in the U.S., analyzes the performance of major mobile wallets like Apple Pay, Android Pay, and Samsung Pay, and addresses the barriers holding mobile payments back as well as the benefits that will propel adoption.Here are some key takeaways from the report:In our latest US in-store mobile payments forecast, we find that volume will reach $75 billion this year.

Other potential add-ons, like in-app, in-browser, and P2P payments, will also start fueling adoption.

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