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Apple has offered to open up the iPhone near-field communication (NFC) system that Apple Pay uses to other payment services, in a possible effort to...
I agree, but at least it is now possible to compete with Apple Pay. The position of Apple and Google Pay is too strong if competition is unthinkable.
Apple was smart to partner with the banks and acting as a proxy initially. The next step could bypass Visa, MasterCard, banks, payment processors, …