Watch out, Google Wallet, there's a new player in town. Actually, Google Wallet hasn't really done all that well; it's still being blocked by big carriers, and NFC point of sale systems aren't exactly ubiquitous yet. For those reasons, stopgap apps like Clutch - an e-commerce app that allows you to pay with barcodes generated by your credit, debit, loyalty or gift cards - probably have a better chance than Wallet of moving us towards frictionless mobile payments.
Users of Apple's Passbook app on iOS will feel right at home with Clutch's payment mechanism. With the aforementioned card-scanning capabilities, the app looks to make storage of plastic as simple as possible.