Apple Pay aims to disrupt payment industry

TidBITS:

With Apple Pay, Apple’s self-described mission is to replace your wallet, enabling you to pay a bill by holding an iPhone 6 or 6 Plus, or the forthcoming Apple Watch, up to a payment sensor. No more fumbling with credit cards and signing receipts, or worrying about having enough cash. In theory, at least, Apple Pay both improves the payment experience and brings new levels of security and privacy to credit card payments.

Adam makes a very good point about wallets, too. This won’t replace it for most of us because we need to carry around other cards as well. But it’s a step towards an interesting future.

My question has always been, is using a credit card really all that difficult for most people that they need and want this kind of replacement?