Once upon a time a mobile phone was something we used for talking. Today making a call ranks sixth on the list of most common uses for a mobile phone. Now there’s a new kid on the block that, in time, will push making a call even lower down the list. Mobile payment, or m-payment, is taking off. Early adopters like Starbucks already attribute significant revenue gains to their investment in mobile. Although overall mobile payments adoption and usage rates are still a fraction of standard credit/debit card transactions industry watchers expect this to change very quickly.