I am a 20 year veteran of Wall Street. I am now part of a startup that is functionally disrupting Wall Street. Among other things, to use our service, you have to provide your SSN to us online. Unsuprisingly, our user base is therefore made up primarily of Millenials, followed by Gen X. The U.S. is demographically dominated by the baby boomer generation, and continues to get older. As the money flows downhill and as the demographics trend away from the baby boomer generation--which will necessarily happen over time--Apple Pay and similar solutions are a no-brainer.