From Forbes:
Cash and credit cards just aren’t that hard to use. … As payments expert Bill Maurer, dean of the School of Social Sciences at the University of California, Irvine, said in my Apple Pay story, “All of these mobile wallets are looking for a problem to solve.”

For the full story, please visit http://www.forbes.com/sites/roberthof/2014/10/20/apple-pay-has-finally-arrived-great-but-here-are-7-reasons-it-wont-be-a-slam-dunk-success/?commentId=comment_blogAndPostId/blog/comment/1577-13952-4322.