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Even assuming everyone has a credit card, entering a credit card on a mobile phone is enough friction to cause the potential consumer to postpone or never make the purchase. It seems like Affirm would solve that problem.

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I'd rather just put my amex into my iphone once (oh, wait, done already) and let Apple handle it. It would probably work IFF Apple and Android/Google both have a relatively compatible solution (from the merchant perspective).

What do you mean by "put my Amex into my phone once...and let apple handle it"? Is this a component of Passbook or something?

I mean in iTunes, and just buy stuff via iTunes. There are obviously many serious problems with that. (Apple's policies, 30% cut, etc.)

In practice what I do is just buy things from Amazon, whether it is on my phone or laptop, so the critical thing is being logged in to amazon.com.

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