Benedict Evans, ben-evans.com:
One of the things I noted in my post on Apple Pay was that Apple tends to deploy key building blocks for new strategic moves as smaller, stand-alone products in preceding years. Hence Touch ID (and Passbook) was already there before Apple did payment. They served their own use case first, and worked properly, and then Apple added Pay a year later. This, of course, prompts the question as to what other building blocks have been deployed today that will turn into something else in a year or two.
Smart post by Ben, pondering how Apple's stance on privacy and security could actually be a foundation for future offerings.