In November 2013, the Mobile Payments Industry Workgroup (MPIW) met with academia, government, non-profits, card networks, mobile wallet providers, transit authorities, issuing banks, and retailers to gain a better understanding of fundamental consumer mobile payment adoption issues by exploring how mobile financial services and payments can meet the needs of nontraditional consumers and what is needed to achieve scale in the U.S. mobile payments market. The findings in this paper are based on the discussions at this meeting and include the panelists' views on mobile technology and financial access considerations for the underserved consumer, broader consumer market adoption for mobile retail payments, and the transformational role of mobile technology for financial services.