Apple Pay & PassBook
If you use Apple Pay heavily as a high-tech credit card and you use Passbook for loyalty cards and other passes you'll appreciate the new separation that makes it easier to identify Apple Pay cards and Passbook passes and gift cards.
This is a small change, but with more Apple Pay banks and Apple Pay stores it's one that Apple Pay users will appreciate. The Apple Watch will bring Apple pay support to the iPhone 5, iPhone 5c and iPhone 5s -- but you'll need the Apple Watch to make the actual payment.
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