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An Apple Inc. iPhone 6s Plus is displayed for a photograph at an Apple store in Palo Alto, California, U.S., on Friday, Sept. 25, 2015. From Sydney to New York, some of the Apple faithful waited in lines for more than two weeks to be among the first to receive the new iPhone 6s and 6s Plus. Photographer: David Paul Morris/Bloomberg
David Paul Morris/Bloomberg
Apple Pay debuted last year as an enabler for many banks that were itching to get involved with mobile payments. But a few banks were able to leap ahead of Apple Pay with their own technology.
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Wolfe, Daniel

Capital One Wallet

When Apple Pay launched, Capital One quickly set out to differentiate itself with ads that showcased what its own Capital One Wallet app adds to the core set of Apple Pay features. More recently, the bank brought tap-and-pay capabilities to its Android app.
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A Royal Bank of Canada (RBC) branch stands in downtown Vancouver, British Columbia, Canada, on Thursday, Monday, May 28, 2015. Royal Bank of Canada said fiscal second-quarter profit rose 14 percent on gains in investment banking.Photographer: Ben Nelms/Bloomberg
Ben Nelms/Bloomberg

RBC Wallet

RBC was already ahead of Apple when Apple Pay launched. The bank had been experimenting with Host Card Emulation technology to develop a tap-and-pay system for Android. "HCE has made it easier for our clients to use the RBC Wallet, and has accelerated the adoption of the wallet," said Jeremy Bornstein, head of payments innovation at RBC.
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Sam Robinson Photography LTD

bPay from Barclaycard

Barclaycard was in no rush to adopt Apple Pay when it launched in the U.K.; the issuer already had a full suite of bPay-branded mobile technologies for retail and person-to-person payments. It recently began selling bPay-equipped wristbands and keyfobs to give consumers payment options that aren't married to their smartphones.
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CaixaBank

Last year, CaixaBank was doing in Spain what Barclaycard was doing in the U.K. — distributing wearable payment bands for consumers to make contactless payments. The difference is that Apple Pay still hasn't arrived in Spain, giving CaixaBank a head start with a more streamlined technology.
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A sign hangs from a Bankinter office in Barcelona, Spain, on Friday, Jan. 22, 2010. Bankinter SA, a Spanish bank with two-thirds of its loan book in mortgages, said fourth-quarter profit declined 1.9 percent on higher costs and a drop in lending revenue. Photographer: Xabier Mikel Laburu
Xabier Mikel Laburu/Bloomberg

Bankinter

Also in Spain, Bankinter used Host Card Emulation to develop a tap-and-pay Android app in early 2014. Its "mobile virtual card" app could store multiple credit and debit cards and was designed to work with existing EMV and contactless payment terminals.
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clearXchange

The clearXchange venture, founded by JPMorgan Chase, Wells Fargo and Bank of America in 2011, was designed to be a multi-bank person-to-person payment network. But it has discussed branching out to other applications, and those three banks alone account for over half of the U.S. online and mobile banking population.
Technology Disruptors Mobile payments
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