While payment via smartphone is certainly compelling, I carry many other things in my wallet: - Driver's license - Insurance (car/medical/dental) cards - Auto c

While payment via smartphone is certainly compelling, I carry many other things in my wallet: - Driver's license - Insurance (car/medical/dental) cards - Auto club membership card I'm not sure I want to have separate apps for these. Things like gift cards to restaurants (which I also carry around) could easily be replaced w/ an app, but there's something mildly compelling about a non-smart identifier for things like insurance / ID.