In reply to Ed Starrs.

Apple doesn't need to supply any incentives. Merchants have to buy new card readers for the chip and pin cards that are required by Oct 2015. If they don't have the new readers, the responsibility of fraud lies with the merchants instead of the banks. Those readers will have NFC. Will it take time for all to switch over, absolutely. I personally use LoopPay currently since it works with almost all readers... unlike the very small percent of NFC ones that are out there. Do I know that they are likely a sunset system as the new readers come out, yes... but, might as well enjoy the convenience in the meantime.