I do think Apple has a marketing problem with Apple Pay, though. I can tell from talking to family members that a lot of people just don’t see why they should try Apple Pay, because they have no idea how it works or why they’d want to use it.
But Apple Pay Cash could be enough to get these people to set up Apple Pay.
That is the key. Credit cards are a tough sell for Apple Pay, but other services like person to person payments and especially transit are the golden uptake path for Apple Pay.