Mobile payments have been thought to be on the cusp of widespread adoption for several years now. But most consumers have responded to the technology with a noncommittal shrug.

This year, there will be 82.5 million mobile phone P2P payment users in the US, according to eMarketer estimates.

Personalized messages, geolocated notifications, loyalty programs—all are available via mobile passes in wallets.

Adoption of proximity mobile payments in the US continues to grow, but at an increasingly tepid pace. They’ve yet to unseat credit cards as the payment option of choice. Meanwhile, peer-to-peer (P2P) payment adoption is driven by platforms like Venmo and Zelle.

Millennials were quick to migrate to P2P services, but older consumers are willing to give it a try, too, especially if they know that a brand name bank is behind it.