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As iPhones with Touch ID become more mainstream (here we can assume the 6S will come in Fall, 7 a year later etc) it is clear that adoption rates will boom at least in terms of people trying it out. By that time we should see more NFC terminals available so I expect Apple Pay numbers to grow dramatically.

The first comment above mentioned Chip+PIN - however as discussed in other articles here, the US is headed to Chip+signature. So the convenience and speed of Apple Pay (and other competing services) is going to win out, at least for the tech savvy.

Nice article Daniel.

Also makes you think about those statistics about fraud on CNP transactions - the shift to convenience like the examples given, meaning more CNP and thus higher total volumes of fraud.