That's a weird way to phrase what's going on..

    Of the 20% who had [used Apple Pay], most (56%)
    only used it about once a week.

So something like 11% of iPhone 6/6s owners use Apple Pay every week? There's something like 30 million phones in that category in the US, so maybe 3 million people use Apple Pay every week. That's "hardly anyone"?

As more and more phones gain capability with the upgrade cycle and as more vendors install contactless terminals, Apple Pay (and Samsung / Android Pay) are going to grow like crazy. Is there a company on earth who would be disappointed with 3 million weekly users, especially when they get a cut of each transaction?