Apple’s biggest asset is their ability to change consumer behavior.. It is the only company in the world that can move: Retailers AND Consumers AND Manufacturers. There is enormous TRUST in the Apple brand; they have earned this trust (with THE MOST AFFLUENT consumer base) by consistently delivering the best product experience (A very very big PERIOD)
Imagine expanding your existing bank mobile app to do card emulation.. with NO TOLL to the TSM or carrier.. you are in complete control. A project which should be sub $1M AND NO CONTRACTS!!