Apple's strategy in payments comes right out of the playbook they used for music, movies, TV shows, e-books, apps, maps and now money. They enter the market, make friends with everyone and then change the game overnight leaving their 'partners' to wonder what happened. Consumers drive onwards since the device is central to their life, not the brands on that device. In the wake of these decisions, industries are forever changed. Lobbyist for the banking and payments industry are much more sophisticated than the ones in publishing -- still they have never experienced a fight like this before. It will be interesting to watch.