It is hard not to be dubious of the "lack of enthusiasm" for Apple Pay coming from merchants who have already made collective commitments to the MCX CurrentC product. I think there will be a Business Case Study made for business students of the future that colors this in the comparative light of Betamax vs VHS...and I think it will be interesting to watch where the CurrentC product ends up in that debate. It's not necessarily Apple for the Win...but it might be that CurrentC will preclude some of the MCX gang from being significant mobile players (whether they agree or not) given their commitments to MCX.