There's a major drawback here that I don't think you have called out Karen - that's lot's of separate apps for ordering ahead. Every piece of consumer insight I have seen says consumers prefer a single app to consolidate / aggregate payments, loyalty, vouchers, coupons etc. So this sounds good for a small number of retailers / QSRs with a large number of loyal and frequent customers. It also leaves PayPal well positioned for the aggregation play. However I'd still go long on the bulk of transactions happening at the POS and NFC being the most likely transport tech for this.