There has been no actual benefit to consumers to use Apple Pay. If Goldman Sachs (or Apple) offered a 5% return to purchases using Apply Pay, I'd use it. If I

There has been no actual benefit to consumers to use Apple Pay. If Goldman Sachs (or Apple) offered a 5% return to purchases using Apply Pay, I'd use it. If I could give out purchasing "cards" to all my team which relied on Apple Pay but brought back realtime stats, that'd be a win too (especially if it did things like track capital purchases, warranties, management, etc.)