OdysseasPapadimitriou, CEO of the credit card comparison websiteCardHub.com and a personal finance consultant. predicted thatlarge credit card issuers will likely make more credit available in2013 and that consumers will not rush to sign on to any of thelatest mobile wallet technologies.

“There was a lot of buzz surrounding mobile wallets in 2012, andwhile consumers might be excited about this new technology and theprospect of having one less item to carry around, widespreadadoption isn't going to happen in 2013,” he said.

 “There are just too many factors conspiring againstit. From lingering security concerns to market fragmentation andunsatisfied infrastructure requirements, there are a number ofpretty big dominoes that need to fall first.”