[AdamHede]

In Denmark we've had a public payment card for a couple of decades now (Dankort). It's a no thrills, dump, payment card, but it is universally accepted, has no fees and virtually impossible to get into financial trouble with.

I have to admit, I welcome apple pay with a lot of sceptisism. In my perspective, a lot of innovation in payment over the recent years has been towards better ways of extracting value from basic transactions, or selling confusing products to financially illiterate consumer. With the exception of contactless and mobile payments, which our public solution has picked up as quickly as the commercial vendors.