@BrianRoemmele Retail piece is interesting - 0 vertical integration in device and no access to NFC in key demo (iOS). Paydiant-like QR scan?
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@arjunxkapoor Arjun, I suggest something quite simple, related to location and messenger. Frankly I think it will catch many by surprise.
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Facebook payments will move to merchant payments, including online & retail payments. By this time in 2016 at least 1 very large retailer.