All you need to do is go to Apple's claim they have a design driven methodology. It's fairly predictable then when they roll out something like Apple Pay that they're going to not do it until they have the requisite business deals in place to make it a good experience for the users. How successful they are at the friction point of tech and design varies (iTunes sucks :) but that's always their goal and worldview of how they set out to take on projects like this.