Hervorragender Vergleich von Apple Pay mit Google Maps von Igor Schwarzmann:
What Google did is provide easy access to the best location and map data in a simple, easily integratable way. Without Google Maps, we wouldn’t have companies like Foursquare, Yelp, etc. They all would have needed to build their own mapping infrastructure or rely on a more expensive / less accurate one. With Google they just used the best possible solution, for free. It suited both sides. Google got a lot of data out of this symbiosis and achieved what it always wants: more data. And app developers didn’t have to worry about location data and just build the best possible services around it.
Apple just did the same for payment. By integrating a payment services on the OS level, they basically are taking care of the whole, extremely complex process that is required to authenticate payments.