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.

Of the 938.2 million proximity mobile payment users worldwide, over two-thirds reside in China and India. Consumer adoption is still in its early days for most markets, but there will be fast growth in retailer support and usage over the next few years.

This year, 55.0 million people in the US will use mobile payments, making up 20.2% of the population, according to eMarketer estimates.

The cash culture in Germany is holding back mobile payment adoption in the country. Many people are comfortable paying with cash and don’t see any significant benefits to changing their habits, especially older generations.

Mobile payment adoption in the UK isn't as widespread as in other markets, with only 7.2 million people in the country expected to use the payment method this year.

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.