The state of mobile payments in 2019 — Electronic Transactions Association — “In 2018, 55 million people in the US used their smartphone to make a payment at a physical point of sale, whether by loading money into a closed-loop mobile app (like the Starbucks app) or by loading a credit or debit card into an open-loop mobile wallet (like Apple Pay, Google Pay, or Samsung Pay) and using it to pay at the point of sale. These 55 million users account for about 20% of the U.S. population aged 15 and over, and just over 25% of US smartphone users.”