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“Are you ready to pay for everything via your smartphone?” That was the open-ended question asked in the lede of a USA Today article on May 27, 2011 following Google’s launch of its pride and joy – Google Wallet, a wireless payment technology (based on near-field communications or NFC) that would eliminate the need for leather-bound wallets forever. As we approach the one-year anniversary of Google Wallet’s public unveiling, it’s become clear that the technology hasn’t exactly done away with....