TBH I only ever use LevelUp when I think I might shop at a place a few times and get a few bucks of credit from LevelUp's investors. Never once have I used LevelUp because it's a more convenient form of payment. If I want to pay for something, I flip open my wallet and pull a credit card out because it's right out in front. With LevelUp, I need to look through multiple pages worth of app icons to find my payment options. No thanks. Yeah, a user could organize their apps, but why would they do so for your benefit. They will just use a credit card or cash because it's the path of least resistance. The truth is that this will only ever change once we reach the point that I only carry around a cell phone and never carry around a wallet. As long as the wallet is in my back pocket, I have a path of least resistance that will beat my phone every time and that is really unlikely to change until cell phones never fail. i.e. phones will need days worth of battery life, be water proof or at least water resistant and everything in my wallet can exist on my phone, including government issued identification.

If you want to make payment apps gain widespread adoption then campaign to get governments to let my put my ID on my phone, until then I will carry around a wallet and a credit card will be sitting there right next to the ID.