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When Apple Pay made its market debut one year ago, 200,000 merchant sites across the U.S. jumped in with both feet to provide their customers all the speed, convenience and enhanced security that the payment industry’s newest digital wallet promised. 

In January, Apple CEO Tim Cook called 2015 “The Year of Apple Pay” in an address to investors; yet adoption of Apple Pay – while steadily increasing throughout the year – has been slower than expected.

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