Apple’s success over the years is not just down to the devices that it has placed into our hands, but on the positive disruptive force that it has exerted across a range of traditional industries, and the resulting changes in consumer behaviour that these have caused. So when Apple enters a new market, the existing big beasts of that industry need to sit up and take notice. With the launch of Apple Pay on Monday, it is the banks that need to work out how they can remain relevant in the face of the technology giant.