Simple insights are often the most powerful. Of course consumers want ubiquity in a payment mechanism - spending money isn't a tribal thing. When you get a VISA card you aren't shutting yourself off from Mastercard-enabled retailers. If the sell for mobile is simplicity, then it has to work across all cards, all mechanisms, all devices. Without that it is a niche product, it can't scale. Ubiquity means co-operation, or at least co-existence between the big beasts of tech and payments - or a third party that is able to aggregate the big beasts together to give the consumer what they want.
Consumers are looking for a payment experience that is ubiquitous and secure. They want a simple and seamless payment experience that covers offline commerce, online commerce, and P2P payments. A mobile payment platform must be able to accommodate all major credit cards, store cards, and rewards cards as consumers will be hesitant to adopt a platform that fragments their physical wallet. Currently, none of the mobile payment platforms on the market are comprehensive enough to convince consumers to alter their payment habits. The lack of a platform that is universally accepted by merchants and retailers also contributes to low consumer adoption rates.