Zapp could be great
Zapp is owned and run by Vocalink which manages Faster Payments and all your wages and bank transactions. Zapp just makes it possible to pay in real time a shop directly from your bank just as if you had setup a payment online. That means no fees for you and no fees for the merchant. Apple Pay obviously has lots of fees that have to be paid and lots of potential chargeback issues.
The only downside to Zapp as I can see is that are relying on banks to roll it out using ther own apps which may be highly inconsistent and confusing for consumers.
Biting the hand that feeds IT
