Michael Katz argues that the benefits of mobile payments will flow mainly to _____. In this case, the theory of two-sided markets would suggest that a good way of getting both sides on board would be to charge a fee on each transaction that is _____. Group of answer choices merchants; funded by consumers and passed on to merchants consumers; funded by merchants and passed on to consumers in the form of rewards consumers; funded by consumers and passed on to merchants merchants; funded by merchants and passed on to consumers in the form of rewards