This is mostly about enabling new product experiences for its own Apple branded products and for developers to launch more convenient services on iOS devices.

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The more premium services it can attach to that bucket, and the more convenient ways it can give you to fill it, the higher a monthly fee you will (eventually) be comfortable with.

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Patients need more convenient primary care services.

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Fortunately, Web-based services have made even this mundane chore more convenient.

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"As merchants, no one understands our customers' shopping and payment experience better than we do, and we're confident that together we can develop a technology solution that makes that experience more engaging, convenient and efficient, " said Mark Williams, president of financial services, Best Buy.

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