Apple is diving into the world of personal finance (in due time) as it has been developing a person to person payment service which will operate under the label of Apple Pay. This is coming under much speculation as Apple has applied for a patent for their person-to-person payment system which is speculated to be secured by Touch ID. This brings up an interesting thought of Apple starting a bank. Although this maybe a far off thought for many Apple users, this push for market share has started the conversation. With Apples application for a personal transfer system, organizations like PayPal may begin to feel the heat of completion.