The payments will need the appearance of being inexpensive/free, so Apple needs to first use network effects to capture a chunk of the market, then they will st

The payments will need the appearance of being inexpensive/free, so Apple needs to first use network effects to capture a chunk of the market, then they will strong-arm Banks into paying fees to Apple (They need to earn their 3% or whatever on every payment somehow) which the banks will then indirectly forward to customers.