Earlier this year, tech experts who talked with CMO.com writers predicted that 2013 would see progress on the digital wallet front. This progress was expected to be especially true for marketers who wanted to set up a digital loyalty program through a smart app. Consumers would be able to take out their smartphones and use apps to accrue points or rewards and then apply them to product purchases in the future. In a surprising turn, consumers seem to be ahead of retailers on this front.