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Finextra - you should cross reference your world firsts! Barclaycard launched instant replacement last year. https://www.finextra.com/news/fullstory.aspx?newsitemid=28341

Anyone who has used the London underground at peak times will be familiar with how "pressured" you are at the gate to get through quickly, especially with a large crowd behind you. Taking out a £600 phone and operating it in this environment will make a few people think twice about using regularly. Likewise on a night bus. Apple Watch solves this to some degree of course.