![passbook small opt](http://www.mobilecommercedaily.com/wp-content/uploads/2012/07/passbook-small-opt.jpg)
- The Passbook app from Apple
Mobile payments are growing quickly and yet one of mobile’s biggest players – Apple – is not taking a leadership role, at least not yet.
The amount of money at stake in mobile payments is potentially significant as consumers use their mobile phones for a growing array of every day activities, which is why banks, credit card companies, wireless carriers, technology firms and retailers are all diving into mobile payments. Apple, on the other hand, has reportedly decided to take its time in mobile payments after considering a variety of options, according to a recent article in the Wall Street Journal.
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","iv":"58f2f9079a167b9b90ab637cdb5e44b5","s":"96441d2c8b562d60"}