Apple's mobile paymeny Will NOt affect MBE - says CFO, page-3

I personally think Apple Pay will affect MBE to a certain extent.

Apple Pay allows payment of physical product by forms of digital credit cards.

MBE employs "convey" that builds and manages, mobile products & services through its CMP (Customer Management Platform), advertising them to consumers via its Trading Desk and enables consumers to pay seamlessly where the cost of the product or service is charged to the their mobile phone bill or Paypal account via Convey’s M-Payments Gateway.

In other words, its still a payment of product or service, but payment are charged to mobile phone bill or Paypal. While Apple Pay charges to credit cards (there may be more forms), to say the least.

Given both are on the platform of payment thru mobile, I don't see how MBE remains different.