It needs to be noted that AliPay spent ~$80M on this one-month-long money burning online to offline promotion. A sustainable value proposition needs to be in place after initial behavior triggering, which is when the rubber meets the road. While we are still facing the upper hill battle to trigger behavior changes, LoopPay is embraced by thousands of early adopters on a sustainable usage. The key difference is that LoopPay is accepted at 90% brick and motor merchants while Apple Pay is at 3%. See more on our perspectives. http://www.looppay.com/wp-content/uploads/2014-09-17_LoopPay_and_Apple_Pay.pdf