A combination of merchant and consumer apps = JUGGERNAUT it is only a matter of TIME.
For practical purposes-consider the following scenario that could be the (conservative) reality in 2016 or even earlier:
1,000,000 app transactions x .15 = 150,000 daily
150,000 x 7 Days = 1,050,000 weekly
150,000 x 30 Days = 4,500,000 monthly
4,500,000 x 12 Months =54,000,000 + million yearly!!!