Apple Pay Ad Technological advances sometimes have disruptive effects. One great advance can replace or substitute for existing products in a relatively short period. Apple Pay for iPads and iPhones is most likely to replace or substitute for digital video recorders. credit cards and cash. online banking. financial market trades. printed catalogs. Which of the following currently affects baby boomers, and thus those that! market to them, in a significant way? They are beginning to have children. They are currently retiring or nearing retirement age. They are beginning their primary school educations, They are just being born. They are getting their high school and college educations