In reply to Chris Anderson.

I have to agree with @akira_menai:disqus on this one. Assuming that every Apple Watch will automatically translate into an Apple Pay user is a massive leap. That's granting the 15 million Apple Watch users, which is unlikely as well. Apple Watch sales started out massive on the first day, but they've become a trickle since. There was only a "stampede" of users for the Apple watch for a day. That's not going to become a noticeable "stampede" of users for Apple Pay any time soon.