For Tap to Pay
It's not as though Apple invented the notion of paying for things with your phone. Apps like LevelUp have been presenting compelling visions of our wallet-free future for years. And yet, Apple seems poised to push this concept past the tipping point, by providing an impressive array of security features. And by pulling in an impressive lineup of partners, from Capital One and Visa to McDonald's and Whole Foods. Apple has all but insured that Apple Pay will be everywhere, as ubiquitous for brick-and-mortar commerce as iTunes is for music. And yes, much like the App Store, this win has everything to do with software and business deals and practices, and nothing to do with hardware (apart from a fingerprint sensor, which is no longer unique to the iPhone). But innovation in smartphone tech is about more than specs. It's about giving people a reason to buy your phone, and no other. Apple Pay is looking like precisely that.