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

Along these lines, I've recently been thinking about how important payments are to the overall retail picture, including e-commerce, m-commerce and good old brick-and-mortar, face-to-face sales. It's my contention that payments should be the crown jewel of the shopping experience. Nowhere is this truer than in online shopping, where the payments process can be the deciding factor for whether a transaction takes place. We've all had experiences of clunky web payment systems that leave us thinking, "If this is so complex, how safe could it be?" Conversely, Amazon.com's one-click payment system leaves you not only feeling secure, but catching your breath at how easy it all was.