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Leather wallets should be so yesterday by now. After all, today’s mobile tech is advanced enough to let us ditch that cowhide in favor of a virtual wallet from the likes of Google or PayPal, letting us purchase items in-person with a smartphone. But that’s not all. Virtual wallets also give you instant access to coupons and loyalty programs, meaning you’ll never have to open another weekly circular or attach another piece of plastic to your key chain again. According to Forrester Research, 50 percent of smartphone owners are interested in using in-store mobile payment options. So why aren’t more people using mobile payments yet? Like any new technology, virtual wallets are going through serious growing pains. From conflicting formats and usability issues to...