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Key to next phase of mobile revolution? A secure digital ID

This will require the concerted effort of all three pillars of the digital economy - government, banks and mobile wallets.

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Apple Pay transactions made up less than 2 per cent of merchant transactions in 2016 in the US, where the transition from credit cards and cash to frictionless mobile payments lags Asia.

IN the United States or Europe, the transition from credit cards and cash to frictionless mobile payments is happening slowly. America's Apple Pay rolled out in 2014; though growth is speeding up, Apple Pay transactions made up less than 2 per cent of merchant transactions in 2016. No wonder: 93

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