Integrated Payments and Why Apple Pay Isn't the Be-All and End-All

A seamless, integrated payment system starts and ends with this universal data repository. And there will be enough of it to generate insights, make personalized offers based on customers’ buying behaviors, and leverage partnerships between banks and nonbanks. It all comes from the data. You're always capturing the latest event. And it's much more structured and relevant than fire hose-feeds from social media.