The MPIW was established in 2010 to convene industry experts in the mobile payments ecosystem and has met several times annually since then. The goal of these meetings has been to share information and ideas and to discuss barriers and opportunities in mobile and digital payments. These discussions supported the vision for a long-term U.S. mobile ecosystem by assessing business models, regulatory frameworks, and industry standards and guidelines, and informed the industry of the building blocks of an efficient, secure, and ubiquitous mobile payments environment through MPIW whitepapers. The MPIW also followed key trends in security and authentication technology, consumer and merchant adoption, and shifts in stakeholder perspectives. In the eight years since its inception, the MPIW has witnessed considerable change in the mobile/digital payments landscape that is worth reviewing to illustrate the extensive progress that has occurred.