John Adams

Efforts to combine mobile wallets and loyalty programs have had mixed success over the years, but many companies are undeterred. Here are a few that are working to find the right mix of technologies.

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The company is diversifying from its traditional payments processing business into a broad-based provider of payments technology and data services.

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Harland Clarke's acquisition of RetailMeNot provides a broader range of marketing technology to serve merchants that are looking to improve mobile-driven sales against competitors such as Shopkick and Foursquare.

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Payment and marketing company Harland Clarke Holdings has agreed to buy the popular online coupon site RetailMeNot for an equity value of $630 million, a deal that would add digital discount technology to Harland's existing merchant services.

Bank of America has added new features to its mobile banking app in an effort to build flexibility in mobile wallet options and more closely tie payments to financial services.

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With big companies frequently set in their ways for how they make cross-border payments, most innovation is targeted toward smaller shops that make fewer payments to foreign suppliers. But that isn't always the case.