Chinese tourists have been targeted by criminals as they carry a lot of cash. The mobile pay system is needed to satisfy a specific need. Apple could take advantage of this situation.
Why they carry so much cash?
They buy all the luxurious stuffs such as expensive hand bags. They want
to save the hefty tariffs. It is similar to border trade happening in
Hong Kong for a long while.
Chinese boost their social class by
showing off the expensive stuffs they carry. That's why my friends in
Hong Kong would ask me (or despise me) for wearing a Seiko watch.