"Despite the fact that Apple Pay has managed to get everyone talking since its September release, six months later a little over two-thirds, or 64 percent, of Americans say they’d “never” or “hardly ever” use their cellphone to make a purchase."

Actually, 64% is a little under 2/3. Anyway.... So, you are telling us that around 36% of all cell phone users could be using mobile payments? That's a large number considering that we have mainly Google Wallet users and Apple iPhone 6/6Plus users (since last fall) speaking for the majority of that 36%. Sounds like Apple Pay is doing a good enough job. Just wait until iPhone 5/5S/5C users have an Apple Watch to use for payments - there's a very large potential there.