One challenge is that mobile pay is still a relatively new technology, and many consumers are not yet familiar with it. Apple Pay will need to educate consumers about the benefits of mobile pay and how to use it.

Another challenge is that there are a number of other mobile pay services on the market, such as Google Pay and Samsung Pay. Apple Pay will need to compete with these services in order to gain market share.

Finally, Apple Pay is only available on Apple devices, which limits its reach. In order to be truly successful, Apple Pay will need to be available on a wider range of devices.

Despite these challenges, Apple Pay has a number of advantages that could help it to become the kick-start for mobile pay.

One advantage is that Apple has a large and loyal customer base. Apple Pay is already pre-installed on all new iPhones, which gives it a significant advantage over other mobile pay services.

Another advantage is that Apple Pay is very easy to use. Users simply need to add their credit or debit card to their Apple Wallet and then hold their iPhone near a contactless payment terminal.

Finally, Apple Pay is very secure. Apple uses a number of security features to protect users' data, such as Touch ID and Face ID.

Overall, Apple Pay has the potential to be the kick-start for mobile pay, but it faces a number of challenges. It remains to be seen whether Apple Pay will be able to overcome these challenges and become the dominant mobile pay service.

Here are some specific examples of how Apple Pay could kick-start mobile pay:

* Apple Pay could make it easier for people to make purchases in stores. Currently, many people still use cash or credit cards to make purchases in stores, even though mobile pay is more convenient. Apple Pay could make it easier for people to make purchases in stores by providing a simple and secure way to pay.

* Apple Pay could encourage more people to use public transportation. Currently, many people avoid using public transportation because they don't want to carry cash or a credit card. Apple Pay could encourage more people to use public transportation by providing a convenient and secure way to pay for fares.

* Apple Pay could make it easier for people to send money to friends and family. Currently, many people use traditional methods, such as checks or money orders, to send money to friends and family. Apple Pay could make it easier for people to send money to friends and family by providing a simple and secure way to transfer funds.

If Apple Pay can successfully address these challenges, it has the potential to revolutionize the way we pay for goods and services.