Payments made via Apple Pay now account for around 5% of global card transactions, according to research firm Bernstein — and are set to represent 10% of all card transactions by 2025.

“There are indeed plenty of reasons to worry that Apple may attempt to disrupt the payments ecosystem,” Bernstein analysts wrote in a research note, Quartz reports.

“While the tech company could, in theory, create its own network that runs outside the card systems, Bernstein argues that Apple still needs the card networks, which are ubiquitous and trusted,” Quartz adds.

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