The world celebrated a milestone of sorts yesterday, as Apple Pay marked its sixth anniversary. The world is obviously a very different and much more digital place than it was in October 2014, and capturing customers requires new strategies and an eye toward building scale. But as potent as the progress has been, the pace hasn’t always been even by region or by institution when it comes to jumping the digital divide. But the jump is necessary for those that want to hold onto their consumers, whose needs are demonstrably shifting.