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For one, not every store is likely to replicate the success Walmart and Starbucks have had by going their own way. As Michelle Evans, a payment industry analyst at Euromonitor International, points out, it really tough to get consumers to add new apps to their phones these days.People will download the Walmart or Starbucks app because those are loyalty driven, high frequency businesses. Apparel chains or home goods stores aren likely to get the same uptake.And it reasonable to assume that, while adoption of the offerings from technology giants has been slower than many expected, they will eventually get better traction.

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