I’m a small iOS/Android developer who makes money from the App Store. I loathe in app purchases and prefer to sell my product direct to customers. Because of that, I love the app stores, especially since both now only charge 15% to people like me. Apple and Google completely take away the complexity of dealing with payments. In the end, the only businesses this will help are the large ones. I cannot move to my own payment system as it would be a burden to me. Also, I think any 3rd party payment systems will just charge 10-13% per sale anyway, which isn’t enough savings to me to make it worth my while. Obviously, if I see a real benefit to my business, I’ll change. But it will be a couple of years before we see the ramifications of this ruling.