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Does Apple Care About NFC Penetration?

The fact that U.S. infrastructure is underdeveloped from an NFC standpoint may be exactly what makes the market appealing to Apple. It allows Apple to become a dominant player in in-app payments first: Apple already benefits greatly from an app-centric mobile commerce...

Should Apple Have Launched Apple Pay Somewhere Else?

Some are arguing that Apple Pay should have launched in Canada first. While I don’t think that would have gotten Apple the kind of splash they were looking for, the idea has a lot of merit in both a practical and consumer sense. In fact, they could also do very well...
Apple Pay: Is It Enough?

Apple Pay: Is It Enough?

With the launch of Apple Pay, Apple and its partners took the single largest step toward mobile payments enablement that the payments industry has seen, but it’s still probably not enough to move the needle for offline mobile payments. This is, without a doubt,...