Apple Pay at two years: Not much to celebrate (yet)

Apple Pay marks its two-year anniversary this week, and while it supposedly helped spark a revolution for in-store mobile payments, there's not much celebrating by Apple or its payments rivals.
While Apple, Samsung Pay, Android Pay and many others keep adding users, the rate of adoption is far below what was expected when Apple Pay arrived on Oct. 20, 2014.
More worrisome is the low repeat-user rate. Many consumers will sign up for a payment app and try it out with contactless technology like N