It looks like Apple Pay is poised to be a great success story. One would say, what else do you expect from Apple? If Apple will be even half as successful as most belive to be, it will bring mobile payments to the masses. In the US, we are surprisingly behind in mobile payments, as compared to the rest of the world. Europe, Asia, even parts of Africa is more advanced in mobile payments. Hopefully, Apple will loosen the nuts holding us back. As we start using the retail channel for mobile payments, there will be more demand to improve the ecommerce and mcommerce channels, where the real pain is, the Payment Friction. Having to fill multiple forms on multiple pages for several minutes, just to conclude our shopping. Unfortunately, Apple can not do much here, as Apple Pay is based on NFC. You can't tap your phone on your computer monitor or on a piece of paper and hope to pay. True omni-channel commerce, retail, online and offline can only be done with QR codes, not NFC. Whether on screen or paper, QR payments are the only universal platform. Unfortunately, QR payments are patented by a couple of companies and do not get the attention they deserve from the industry heavyweights. I belive Apple may change all that with Apple Pay and the enlightened mobile payers will demand more to bring the 15 year old basic commerce checkout technology on par with today's technology. Things will get worse as more shoppers start using their smartphones for online shopping. In the UK, 40% of the ecommerce traffic now comes from smartphones. Yet, due to tiny keyboards, 97% of the shoppers decide not to type in their credit card information and addresses on their phones, and abandon the shopping carts, according to Google. As the gap between the desire to buy and the convenience to buy increases, businesses will be forced/motivated to provide a more convenient buying opportunity. Not every commerce site can be as convenient as Amazon. For the rest, there is technology from Sekur Me and Pay Fone, to fuel convenient, single click purchases. When every shopping cart becomes as easy to buy as Amazon, especially on smartphone browsers, then we will see a quantum leap in ecommerce. Early adopters will reap the benefits as the rest try to catch up.