Let's face facts. Apple's Passbook is a fairly weak effort compared with the likes of Google Wallet, which actually lets you pay for goods using your smartphone with a tap. Sure, it's nice that Passbook aggregates things like airline tickets, coupons and loyalty cards in a single app, but there's not that many partners and not a ton of incentive to stop using your existing cards. With iOS 7, I predict Apple will introduce iWallet, based on NFC and backed by Apple's 435 million iTunes accounts. As ISIS and the major carriers continue to drag their feet on mobile payments and with Google continuing to have trouble cracking Verizon Wireless, the market is wide open for Apple. I also predict a reboot for location-based iAds, which could be redeemed via iWallet. We'll know more come Apple's World Wide Developer Conference in June.