Mobile subscriber numbers are rather stable in Europe, though there was an increase of 18 million users in 2 years. On the other hand mobile payments added "only" added about 10 Million. The important thing is the growth rate. While mobile communication is a stagnant market in Europe it showed growth of 3% in 2 years which is very low, while mobile payments increased by over 200%!!! this is huge
Gartner
WorldBank