Apple Pay hasn't landed yet in the UK but when it does do you really think it will make an impact? The UK has embraced Cashless payments much higher than most other countries. I personally have been transacting contactlessly for the last two years... And I can't see why loading up an app on my phone makes it easier, than just tapping your card? Most transport, including London Underground, retailers, Starbucks etc... Already have on-boarded Contactless card. Is there demand for Apple Pay?