Five years ago yesterday (Oct. 20), #iPhone users got their first bite at the #Apple Pay point-of-sale (POS) experience. Five years later, more people have the right iPhones and more merchants have contactless, the opportunities for using Apple Pay in the physical store have exploded. But new PYMNTS research shows that the percent of people with Apple Pay who use it at merchants that take it remains as small as it was five years ago. …see more