For consumers, mobile payments offer low-friction checkout. For retailers, it's an easy point of sale system. So why haven't mobile payments taken off?

Maybe retailers can learn from the current leader in mobile... Who's No. 1? Not a bank, but a retail chain—and the name may surprise you.

Starbucks is the current leader, generating more than 3 million in-app transactions per week.

That's a huge number. Especially when it comes from a coffee company rather than a payment platform.

What marketers need to know...

• Starbucks has put mobile first, building loyalty with customers through an efficient, elegant way for them to pay—essentially with a digital gift card that users love.
• Brands can learn from Starbucks, blending easy payments with loyalty perks.
• If used smartly, this approach creates a big opportunity to enhance the brick and mortar experience with mobile.

For more on mobile payments, check out this week's video.