As new technology such as Apple Pay spark fresh interest in using smartphones for payments, many card issuers are striving to make the most of this enthusiasm. But for banks, the end goal isn't the point of sale. By most estimates, about 75% to 80% of mobile payments are remote, meaning person-to-person or person-to-merchant, said Niti Badarinath, senior vice president of mobile and payments for Minneapolis-based U.S. Bank.