The Deutsche Bank Research (DB Research) facility published a study, under the title “Fintech – The digital (R) evolution in the financial sector”, about increasing bank competition due to IT companies such as Apple, Google, Amazon and PayPal. In particular, Apple is expected to create increased demand for payment by mobile phone with its Apple Pay smartphone wallet. This report from the American organic supermarket chain Whole Foods is fitting: Although Apple Pay only works with iPhone 6 and 6 Plus models, both of which have only been available for a few weeks, in the first 17 days since the launch of these devices, there have already been 150,000 transactions via the NFC payment service in our 390 Whole Foods stores. According to estimates by industry experts, this corresponds to about 1% of all payment transactions that were incurred in the markets.