Mastercard is taking two big steps forward when it comes to mobile integration thanks to a new chatbot system and a partnership that brings payments to wearable devices, signaling that the credit card company is committed to making multichannel retail more mobile. The two new initiatives, a chatbot for banks and a partnership with Fit Pay, were announced at the Money 20/20 event in Las Vegas. Both announcements are good indicators of the importance of mobile to Mastercard when it thinks about the modern consumer’s relationship to banking.