Back in 2012 I answered this @Quora question.
Next week some of it will make much more sense.
“How does Apple do payments so well? Why can't anyone else even come close? by Brian Roemmele” https://www.quora.com/How-does-Apple-do-payments-so-well-Why-cant-anyone-else-even-come-close/answer/Brian-Roemmele?ch=2&share=4afe5622&srid=Pi3 …
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