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Powered by cloud-based APIs, modern card issuing leapfrogs traditional issuer processing to help non-financial services companies launch and customize card programs. Here鈥檚 where their offerings will be most disruptive.

Yeah, the thing jumped out to me, Apple Pay users so far out in front, nearly 60 million Apple Pay users. And second place is Starbucks mobile app and Google Pay with about 35 million each. So way, way, behind. And then Samsung Yay even further behind with about 14 million folks using that. Story two, how many folks are generative AI users?

They just launched Apple Pay later. It just seems like a real uphill challenge for banks. How can banks compete with Apple to win Gen Z consumers? That's what I want to spend a few minutes talking about. Tyler Brown:. For me, it depends on how much Apple wants to compete with them. Maybe add a way to deposit a paycheck in between Apple Card, Apple Pay, Apple Cash.

This year, the payments industry will face its first major test following pandemic-driven digitization as economic uncertainty pressures customer habits. This is the data you need to understand the major changes facing the payments ecosystem in 2023鈥攁nd how to navigate them.

But that's really been driven by mobile commerce and how much easier it is becoming to buy things on your phone through apps and mobile payment solutions like Apple Pay. Blake Droesch:.

Digital wallets are fast becoming consumers鈥� preferred way to pay, both in and out of the store.

It launched Apple Pay in 2014, Apple Cash in 2017, Apple Card in 2019 Apple Pay Later, its by now, pay later service, last month and now the savings account. Both the credit card and savings account work through a partnership with Goldman Sachs. Question is, can Apple's push into banking work? Stephanie, Apple's push into banking will work. Make the case. Stephanie Taglianetti:.

I mean, I'm an Apple Pay adopter. I was a holdout for a really long time until I started taking the subway more and more and that became available. So it's like driving those ease of use places and especially driving deals in particular is how you get the payments to actually take place within the app. Okay. That is all we have time for in the first half.