You forgot to mention that the Iphone 6 will support NFC / HCE! Having 800 million cards on file doesn't automatically give you 800 million active wallets unless a PAN and email address are all that you ever want to collect. The jury is still out as to whether digital wallets will make significant inroads into the retail point of sale. Amazon is willing to throw a billion dollars at payments as the data they receive from merchant sales at the POS can be used in their own pricing engines and/or sold to merchant competitors. Apple doesn't have the same rationale.