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Soul
Its PayPal's cross platform compatibility and already gained user-base that will make it last. Apple Pay (think Apple Maps LOL) is hardly a threat IMO; google wallet on the other hand is given android's market share especially in BRIC countries.
Apple is bending over and giving in to market demand where as in the old steve jobs days they defined the market. Jonny ive must be crying alone in the Apple inc toilets who once said anything bigger than 4" is just not right for human hands (which is true).