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Re/code, reports that Target "plans to introduce mobile payment features to one or more of its own apps," though Michael McNamara has not specific about whether "Target will add the payment feature to its main Target app, its popular Cartwheel coupon app or both."

Target is following in the footsteps of companies such as Walmart and Kohl's, each of which has added mobile payments to their applications.

According to the story, "McNamara said the Target payment service will only be available to shoppers who have a Target REDcard - 'at least initially.' REDcards are debit or credit cards that come with perks like 5 percent off Target purchases and free shipping on online orders."
KC's View:
While enabling customers to make payments using mobile devices makes sense, and probably critical in terms of keeping up with the competition, Target's recent problems suggest that the real problem is offering merchandise and a compelling shopping experience that customers actually want.

That'd be the "killer app."