The real part of this trend to look for is to see whether or not 2013 is the year that mobile wallet or contactless payments take off -- through NFC (near-field communication) chips in smartphones or other technologies. More smartphone makers are including these kinds of capabilities in their phones, but retailers -- and therefore average shoppers -- have been slower to adopt them. The rise in mobile payment use shows that people have less squeamishness about paying through their phones as they have in the past, so it will be interesting to see if consumer demand pushes any progress on this front in 2013.