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Last week I had more fun than one person should be allowed to have. At appsworld in San Francisco, I had the privilege of meeting Steve Wozniak, co-founder of Apple.
 
When you think of Apple, it's natural to think first of Steve Jobs and the tremendous task he performed taking Apple, a company near the brink, and completely turning it around to become one of the world's largest companies and most coveted brands. However, if there were no Steve Wozniak, there would have been no Apple. Wozniak is the wizard who designed and built the first highly successful mass-produced personal computer.

In a recent report on mobile payments, the Wall Street Journal said,  “Apple Inc. is laying the groundwork for an expanded mobile-payments service, leveraging its growing base of iPhone and iPad users and the hundreds of millions of credit cards on file through its iTunes stores.” This report does not raise eyebrows, but simply states the inevitable fact. Apple's entry into this market will undoubtedly raise the bar, with major players already fiercely competing to gain market traction over how people pay through mobile devices.