We’ve heard it before… this is going to be the year that mobile payments will boom! Both Gartner and Forrester have made strong predictions of mobile growth, with Forrester recently saying that the U.S. mobile payments market will hit $90 billion by 2017, a 48% compound annual growth rate from the $12.8 billion spent in 2012. But how do we know that 2013 is really the year that “mobile wallets” will finally take off? And what will things look like when mobile payments actually fulfill their promise?