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    I doubt Apple could have dictated those terms to their financial partners.
    Have you ever tried dictating terms to a bank?
Why are we talking about banks? They have loads of partners besides banks/financial-partners...

    De-facto useless organizations like your FISO example
Having been involved with or setting up [non-financial] organizations, I would hope not to make useless suggestions...

I'm suggesting something along the lines of BrainTree's data portability organization (http://www.portabilitystandard.org/). Apple should be able to get a raft of players on board for something along those lines. If not, my original point stands: Apple was making a useless gesture.




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