How big is this "lions share of in-store mobile payments" that Apple Pay has supposedly captured, exactly? Apple Pay hasn't overcome Starbucks mobile payment dominance yet, otherwise they would be giving some actual payment volume numbers by now, so I think "lions share" is quite the overstatement here. Even if I use Apple Pay to reload my Starbucks card, I'm still using my Starbucks app to pay in-store with my Starbucks card, so that in-store transaction would be tallied as a Starbucks mobile payment. Perhaps it is better stated that Apple Pay has captured the lions share of NFC payments?