Thanks for the cogent explanation. Makes a lot of sense. I was just thinking from the perspective of someone who already has their debit card added to their apple pay. It's already very easy to just tap and pay. So while the feature is okay, I don't think it's that big of a deal or anywhere near a game changer in the way OP was portraying it to be.
Zip launches new feature "Pay Now" taking the fight up to PayPal, page-32
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