It only seems like I&#x27;m splitting hairs because you&#x27;re making huge leaps that aren&#x27;t supported by logic or evidence and sound vaguely conspiratorial.<p>Lets say Apple had stuck NFC in an iPhone 4S. What then? Mobile payments is not a faucet you just turn on. They&#x27;d have to convince the entire market - retailers, banks, and credit card companies alike - that they needed to incur tens of million dollars of infrastructure changes and possibly more with fraud in order to... well, what exactly do they get? They&#x27;d move from something that people were used to (credit&#x2F;debit cards) that had clear risk profiles to something unknown with little evidence of consumers willingness to adopt and no added benefit to retailers or banks.<p>You might respond - its a better user experience! Banks don&#x27;t give a shit about user experience, thats why they close at 4pm. Retailers don&#x27;t either, thats why they&#x27;d buy POS machines with crap UIs and never replace them even when the digitizer could barely create a signature.<p>Banks and credit card companies care about risk, and retailers care about keeping costs down and seeing clear benefit in the form of evidence of consumer interest before adopting. Banks and credit card companies are also powerful, quite conservative, and are middle-men that do not necessarily have users interests at heart. Nobody in this industry turns on a dime (heh). Knowing this, Apple chose to wait for the steady trickle of POS machine replacements in the coming POS transition that would follow from Visa&#x27;s EMV migration announced in 2011 [1], focus on risk-reduction and gaining leverage with credit card companies and banks through TouchID, and launch Passbook as a proof of concept both to train users and show retailers that people want to use their phones. Passbook wasn&#x27;t an mobile payments competitor, it was a progenitor. It sidestepped major gaps in infrastructure, and it was placed in the second or third tier of iOS features due to its limited usefulness.<p>Passbook seems to be what you&#x27;re hung up on. Here&#x27;s a question - if Apple is so amazeballs that it could have moved the market in 2012, why then are there still retailers and banks that are slow on the Apple Pay uptake? Is it because Google and the coalition of second tier nobodys is missing? No, its because banks and retailers generally don&#x27;t give a shit about user experience, manage their infrastructure at their own pace, and have all sorts of issues and internal politics that affect their decision making about _anything_.<p>You keep saying the same thing and haven&#x27;t provided nearly enough evidence to support the leaps you&#x27;re making that Apple somehow killed the beautiful &#x27;open&#x27; fairyland that would have been NFC in 2012. There was no NFC market in 2012 to split, just bumbling attempts that misread how to make headway in the market, and a handful of Android phones with the hardware just so they could say &#x27;first!&#x27; I&#x27;d love to see evidence to the contrary.<p>[1] <a href="http:&#x2F;&#x2F;www.emv-connection.com&#x2F;emv-migration-driven-by-payment-brand-milestones&#x2F;" rel="nofollow">http:&#x2F;&#x2F;www.emv-connection.com&#x2F;emv-migration-driven-by-paymen...</a>