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Last month Apple CEO Tim Cook (pictured) rolled out Apple Pay with the new iPhone 6, touting its convenience and security when making purchases. But Harvard Business School's Sunil Gupta isn't so sure consumers will buy into it. "I think it’s more psychological. We’re all creatures of habit, and we’re used to doing certain things," he said. "I think at the retail level, adoption will take more time ..."

Pocket change

Q&A on Apple’s new foray into the technological race to disrupt how we pay to shop