PayPal to leverage the iPhone’s NFC capabilities to challenge Apple in the EU

PayPal is developing a mobile wallet for EU users by taking advantage of the iPhone's newly opened-up NFC capabilities in the region. During a recent earnings call, PayPal CEO Alex Chriss noted that some of the changes coming in Europe around NFC would open opportunities for the company, and that PayPal would be prepared to “play in that space.” Moving forward in the EU, consumers will be able to set a third-party wallet as their default on the iPhone instead of Apple Wallet, as part of Apple's compliance with new regulation. Which mobile wallet will you choose?