Mobile technology is bringing enormous upheaval to both retail and payment activities, according to the keynote speech made at Mobile World Congress by John Donahoe, President and CEO of eBay. “We will see more changes in how consumers shop and pay in the next three to five years than in the last five to ten years,” said Donahoe in his presentation. He compared what’s coming to the impact on the media industry of the Apple iPad. “We are on the verge of the same thing with payment and retail.”