This is really a great article. Probably long overdue. I hope it will catalyze some soul searching among those who write about "innovation" in technology (and especially in payments domain)... After seeing 9-years worth of nonsense on how replacing the plastic with a mobile phone as the carrier of card information will transform the world (any year now!) I am looking forward to publications with less pandering to the establishment and more reflection on market needs and propensity for user adoption. The first step in the right direction would be a substantive piece on: is there any innovation in the new Apple's payments play? Where? Why would consumer of merchant care? Will it be adopted?