Consumers are constantly looking for more convenient ways to make purchases. While some consumers are slow to adopt the use of mobile payments, many love the convenience especially as more and more merchants are offering it as a payment option. Many merchants are even incorporating reward programs and deals with their mobile apps, making it more enticing for consumers. As more merchants start to offer mobile payments as options, this payment method continues to grow. In 2015, mobile payments represented $550 billion and are expected to reach $2.8 trillion by 2020.