While no two markets are the same, consumer readiness is the critical success factor to drive mobile payments adoption around the globe, says a new report by payment facilitator, MasterCard.

The MasterCard Worldwide study MasterCard Mobile Payments Readiness Index (MPRI), released today, relies on an analysis of 34 countries and their readiness to use three types of mobile payments: person to person, mobile web commerce and mobile contactless payments at the point of sale.

India was rated at a score of 31.5 in the MasterCard index, driven by high scores in the infrastructure component, moderate scores in financial services and consumer readiness, and lower scores in overall environment. Consumer Readiness scores are in line with India's overall ranking on the index – number 21.