For years, Apple has been adding features to the iPhone long after they have debuted on Android. From facial recognition to wireless charging, the Cupertino-based giant has often lagged its peers, but sought to deliver a more refined product after the kinks were worked out by rivals in early iterations of various new technologies. This could be a kind reading of the strategy behind the introduction of the pillar banks’ new instant payments function this week. Bank of Ireland, AIB, and PTSB have come together to launch Zippay, a new service that aims to challenge fintechs by allowing its customers…

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