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Apple Pay Isn't As Big Of A Deal As Everyone Says It Is
- Thread starter cymolia
- Start date
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I think this article is pooh-poohing it a bit too easily, tbh. They're ignoring some key factors:
a) publicity. Apple is very good at getting the word out about their services. I'd wager that millions of people are at least more aware of this capability than they were before simply because Apple's been advertising it.
b) partnership. Apple is also very good at working with companies to get them on board. Yeah, there are some holdouts, but how long will they hold out?
c) convenience. Idk about everyone else, but half the time I have my phone out anyway. It'd make things easier if I didn't have to tug out my wallet as well as everything else I'm juggling.
a) publicity. Apple is very good at getting the word out about their services. I'd wager that millions of people are at least more aware of this capability than they were before simply because Apple's been advertising it.
b) partnership. Apple is also very good at working with companies to get them on board. Yeah, there are some holdouts, but how long will they hold out?
c) convenience. Idk about everyone else, but half the time I have my phone out anyway. It'd make things easier if I didn't have to tug out my wallet as well as everything else I'm juggling.
And if you have to have your cards with you anyway...will be just fine to keep using them.
...which loads and loads of us will do.
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Agree. Chip and pin is going to be the more relevant and useful deployment in the US.
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I'm sure it is awesome.
But it's not a replacement for credit cards. Just another way to pay. (Which is great!)
What's wrong with options ? Why not set up your card and have both options ?
Sure you can take our your wallet swipe your card or even worse have to hand it to someone. Or you car just wave your phone over the pos and walk away.
Did you not read the bottom of my post?
I agree it's great to have options.
But Apple Pay is just another way to pay...not some "revolution" that's taking over for credit cards (as some would have us believe).
One of the best part of credit cards is that you can use them virtually everywhere and nearly every type of retailer...anywhere.
Will be a LONG time before something like Apple Pay can do that (in the US anyways).
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Chip + Pin will be secure and nothing is as convenient as a card that doesn't run out of battery.
..And if Apple was smart they wouldn't make iPhone and close all retail stores. I swear I had read those on big name publishings.
Sorry OP, but when several million people buy a device within 72 hours, and the technology is well publicized for the first time ever, it's a big deal.
Do you have any sense of the enormity of the iPhone 6 launch?
Android phones have had NFC here and there across multiple small manufacturers, but not one Android manufacturer, or even Google, has pushed NFC. And barely any of the 50 companies making Android phones have enough advertising money to properly publicize NFC.
Up until now, NFC was muttered about by various town criers.
Apple just unveiled a nation wide megaphone...no pun intended.
Do you have any sense of the enormity of the iPhone 6 launch?
Android phones have had NFC here and there across multiple small manufacturers, but not one Android manufacturer, or even Google, has pushed NFC. And barely any of the 50 companies making Android phones have enough advertising money to properly publicize NFC.
Up until now, NFC was muttered about by various town criers.
Apple just unveiled a nation wide megaphone...no pun intended.
One technology doesn't have to completely replace another to be a 'big deal', though. Streaming is a huge deal but hasn't replaced DVDs completely. Email is a huge deal but hasn't replaced paper mail entirely.
Also, as a side note, one of the things they said in the article is incorrect - Apple Pay DOES work at some Walmarts even though they're not 'officially' on board.
My battery is just fine. I would far prefer to use NFC for payments opposed to chip and pin, no matter the provider. It could be apple pay, google wallet ETC... but the cards have to be supported and the merchants have to have the pads. More secure than chip and pin if done right, more convenient to not carry my wallet around. It will take some time, but it'll happen. If someone steals my wallet with all my CC info, it's much less convenient to me than if someone steals my phone with all my CC info. End of story.
it doesn't even support my banks anyway. it supports barely any. i was excited for it but i can't even use it.
Any man made technology is not secure. Apple pay security is breakable. Hackers can bring down VISA and Mastercards. The most secure payment system is save your money and do not buy.
500+ banks and credit unions is "barely any?" Mmmmkay.
My credit union isn't on board yet, but lots of financial institutions, large and small, are, and more are joining every day.
I went to Circle K and saw the NFC logo.
I tried it and my phone check marked.
But the cashier said nothing happened.
I tried it and my phone check marked.
But the cashier said nothing happened.
I actually agree. I use cash 90 percent of the time anyway.
If I use a card and I get a 6 I will consider using apple pay just for the safety. But I use cash for groceries and stuff that I buy constantly. Only ever use cards online really and for bigger purchases.
If I use a card and I get a 6 I will consider using apple pay just for the safety. But I use cash for groceries and stuff that I buy constantly. Only ever use cards online really and for bigger purchases.
There is always a chance that the phone could be flat especially towards the end of the day so I'd rather not rely on it.
I'm pretty sure Apple didn't create the EMV Tokenization standard; yes they're the first to implement it and yes they're certainly far ahead of anyone in bringing it to mass market, but I don't believe they're actually "inovating NFC"...
http://www.computerworld.com/articl...-standard-to-secure-credit-card-payments.html
Chip & Pin solves only one security problem: Lost or stolen card being used by unauthorized persons.
I think I would still carry my wallet even if i didnt need to i just like them as accesories, even if just keeping it in the car.
To be honest the only thing really I need from my wallet in most cases is my main debit card and my license. Ocassionally i may need to carry a gift card or my social security card as a second form of id but thats rare.
My phone is always charged so thats not an issue i have a work charger a car charger and 2 at home my phone is probably on the charger more than not.
if there was a way to store id's/passports I think that would definately put a dent in the wallet game though and would surely make trips to the gym less cumbersome. Now if we could do something about all these keys.....
To be honest the only thing really I need from my wallet in most cases is my main debit card and my license. Ocassionally i may need to carry a gift card or my social security card as a second form of id but thats rare.
My phone is always charged so thats not an issue i have a work charger a car charger and 2 at home my phone is probably on the charger more than not.
if there was a way to store id's/passports I think that would definately put a dent in the wallet game though and would surely make trips to the gym less cumbersome. Now if we could do something about all these keys.....