It’s so easy, so convenient and so magical. No, I’m not referring to the latest device by Apple, but one of the underlying processes that changed the fundamental dynamics of making a purchase on mobile devices: Apple’s one-click payment system, or iCurrency. Yes, I know, there is no such thing called iCurrency. Call it whatever you like, the fact is – today, Apple has driven more than 10 billion downloads of digital content through iTunes (e.g., music, movies, TV shows and e-books, etc.). If Apple opens up their one-click system to mobile and online retailers and other businesses, they will surpass PayPal. Moreover, Apple will achieve what mobile carriers have been trying unsuccessfully to do for the last 15 years: process all consumer purchases through mobile devices. How? The three main drivers Apple has in its favor include (1) enablement of impulse buys, (2) trust from consumers and (3) proliferation across over 100 million iOS devices.