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Why Apple Pay Might Fail in Offline Payments

The Payments industry has seen a paradigm shift in the last few months, at least on paper. Apple Pay was announced; PayPal declared its independence and Alibaba is now publicly traded. These moves were big enough for people to change their assessment of the direction the industry was moving in. It is hard to find a discussion in the payments space today that doesn’t mention Apple Pay.

A platform that works with any mobile carrier, has received paid participation from about 80% of the largest card issuing FIs, boasts of payment capa ...

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