Why Focusing on Bitcoin's Customer Experience MattersThere is a very public war being waged between Apple, Google, Samsung, Amazon and several banks, with the weapons of choice being their respective mobile wallets.
And for a good reason – whoever controls the payment user experience will own the customer.
The person who uses Apple Pay doesn't really care if they are actually using a credit card from Bank A or Bank B. In fact, they could switch banks with no friction, as their payment experience would not change....
http://www.coindesk.com/focus-bitcoin-customer-experience/