Re: "And it’s an area where nobody has figured it out yet."
Has Paypal released a physical device that can be used instead of cash/card? They've got apps on phones, but not physical devices.
After a quick skim of the article, could this be an Apple bracelet/watch/phone that lets you pay for stuff direct from your iTunes account with a wave of your wrist? Yes, other phone manufacturers have NFC for payments, but it's not Apple iTunes in the back end sapping your bank account ...
Just imagine all those Apple fanbois frantically shaking their wrists to pay for porn by the minute/second/etc ... or maybe not imagine it ... where's the memory wipe button?