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Apple Pay doesn't stop other payment provisions from functioning. The same contactless reader will read Apple Pay, Contactless cards, and Android Pay.

Of course Apple Pay will only be available to Apple users. That's literally what Apple Pay is: contactless payment on an Apple device. There's no reason for there to be Apple Pay on Android or another platform.

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Which still means I'm not allowed to pay for anything on an Apple device (since Apple hasn't and probably won't make it available locally), while an application built by my bank would.

I've worked for banks. I'd trust Apple to build a secure environment but not a bank.

Which kinda misses my point. A "secure" Apple service only available in select few countries with no ability to compete or implement your own is more useless than theorycrafting your experiences from banks to other world banks.

My worry is that if because of Apple's market power, merchants would be less likely to implement other NFC technologies (Contactless, Android Pay) once they have Apple Pay. The technologies are clearly different (even if they use the same reader), otherwise all places that support one would automatically support all of them.

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