There has been much talk about mobile payments revolutionizing payment. But what does this mean for the payments value chain? From four parties to five Apple Pay gained 1 million downloads within 72 hours of launch in the US. As we have come to expect of the tech giant, Apple offers a finely-crafted proposition for efficient in-store payments; now launching in the UK, it has 70% of the main banks and card issuers on board, features the neat touch of biometric authentication and takes....

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