Click-to-Pay is a game changer, as every Starbucks App user knows.
But, so much of it comes down to logistics in terms of making the experience friction free and "delightful" for consumers.
This is an area where the Apple end to end approach, realized here in Apple Pay, pays BIG dividends as in ~95% of the time It Just Works.
Try buying flowers online, and pay with Apple Pay. It's slick.
Read about it Apple Pay's expansion HERE.