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Case Study

Tammy Lam

Tammy Lam, 26, a p.r. executive in San Francisco, uses her T-Mobile HTC my/Touch phone to pay for just about everything. ‘I ordered dinner from my local Thai on GrubHub while sitting on the bus on the way home from work last night. I brought all my Christmas presents on my phone. When friends and I are out, we use Groupon to buy a meal,’ says Lam, who uses her phone instead of her computer for shopping even when she’s at home. And she prefers it to cards or bills when she’s out. ‘I hate cash,’ says Lam. Lam is an early adopter, but there are enough people like her to set off a mobile-wallet war that will escalate…”