Thank goodness, another separate wallet to keep track of with non-linked data, another vector for potential theft, and no clear reward for me. Starbucks app ha

Thank goodness, another separate wallet to keep track of with non-linked data, another vector for potential theft, and no clear reward for me. Starbucks app has a rewards play, Taco Bell app has customization... but without some compelling magic for non-frequent users, I don't see how this helps the company since it doesn't really seem to help the consumer (and so would have limited penetration).