![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.
{"ct":"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","iv":"ed421904ae9eaf8492c0dfa2072e48a5","s":"e16366302fac9c1a"}