Of course, you have a point. But, chances are, when you first read about cellphones you told yourself much the same things. Now look at you.You can expect credit card companies and other interested parties to launch very soon campaigns to seduce you into becoming an early adopter of mobile payments technologies -- if, that is, you aren't already. That NCR press release included forecasts from Gartner, a global market research and analysis company, about just how quickly mobile payments are growing: worldwide, they're expected to process transactions worth $171.5 billion in 2012, up 61.9 percent on 2011. These same analysts predict they'll top $617 billion in 2016, by which time there could be 448 million users. Yes, we're talking more predictions. But those in the know regard Gartner as considerably more credible than the Mayans.