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Is the Glass Half Empty or Half Full?

At the turn of the 20th century, less than 10% of US households owned a stove, or had access to electricity, or had a phone. It took more than 50 years for all three to achieve around 90% coverage. It took the car more than 70 years; the radio, refrigerator and color television more than 20 years; and the cell phone about 10 years to achieve similar adoption; mobile money has not achieved that dubious distinction, yet.

Analyzing user adoption after the fact is relatively simple, whereas predicting it is anything but straightforward. Wh ...

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