That&#x27;s not quite right.  That article is about chip &amp; pin only, and not about NFC.  Apple made the business decision to build their own payments system and lock merchants in using Passbook, rather than use NFC, which is more open.<p>When it comes to market adoption of hardware, typically the market leader gets picked up for adoption.  By forcing their own version of mobile payments (passbook) and not allowing NFC, the market was split and NFC adoption stymied.