I'm not saying Apple should have launched a service in 2013, but instead had devices, with touch id, ready to accept the new service in the future. SE only launched this year bringing NFC to compact Apple phones. Wasted opportunity really.
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Apple 'Working Rapidly' to Bring Apple Pay to More Countries
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It's probably worth you reading in to how Apple Pay actual works before you assume it is not secure...
Phone is easy to lose yes. But losing a card is much harder to realise, because card is much lighter than a phone.
On your card there is your card number, expiry date, CCV etc. It is easy to be screened and copied.
If you register card from multiple banks, then you will have a bunch of cards. They are hard to manage for some people.
Anyway, there are always good thing for using card and bad thing for using card.
In Belgium, France and the Netherlands, hackers have successfully hacked into the mobile payment and file systems of ING, HSBC.
Encrypted or not one might find a way around (cfr fbi case regarding the ipone 5s or c). One who has access to your phone, who is to say they cant use your infrastructure?
I'm glad so many countries and banks have Apple Pay. Now, how about stores?
You can use it at Walgreens but not CVS. Shaws / Acme (Albertsons LLC), but not Stop & Shop / Giant (Koninklijke Ahold N.V.). Starbucks but not Dunkin Donuts. Home Depot but not Lowes. Exxon/Mobil just rolled out Apple Pay at 6,000 gas stations, but you can't use your Apple Watch or just wave your iPhone at a terminal, you have to jump through hoops with a proprietary app.
CurrentC was first delayed, and has now failed outright. Chip cards are finally starting to be accepted and they're painfully slow. Apple Pay is fast, easy, and secure, if you can find a point-of-sale that accepts them.
You can use it at Walgreens but not CVS. Shaws / Acme (Albertsons LLC), but not Stop & Shop / Giant (Koninklijke Ahold N.V.). Starbucks but not Dunkin Donuts. Home Depot but not Lowes. Exxon/Mobil just rolled out Apple Pay at 6,000 gas stations, but you can't use your Apple Watch or just wave your iPhone at a terminal, you have to jump through hoops with a proprietary app.
CurrentC was first delayed, and has now failed outright. Chip cards are finally starting to be accepted and they're painfully slow. Apple Pay is fast, easy, and secure, if you can find a point-of-sale that accepts them.
I said nothing of force. They should incentivize appropriately to ensure uptake.
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All salient points, but my local Dunks just started accepting Apple Pay this week. Huzzah!
They have their incentive: costumers like using it.
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Yeah, they should have included it in the first iPod.
Are you in the US? If so then you're honestly far better off using a credit card wherever possible: they assume tons of liability for you and offer various means to dispute such fraud. When cash is gone it's gone, but fraudulent charges can easily be disputed and resolved.
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It isn't enough for folks wearing costumes to enjoy using Apple Pay; that's rarely relevant outside of infrequent conventions and is a minuscule audience.
edit: Forgot to be serious. The incentive you noted is a great one but is clearly insufficient to ensure uptake.
My mom is 83 and lives in the USA. She curses her regular retailers (Costco & Kroger) that don't support her paying with Apple Pay via her Apple Watch.
(She recently had to replace her AMEX card because she lost it at Kroger. But the best part of the experience is that after cancelling the lost card, and, before the physical card arrived, she received an email from Apple Pay telling her that the card details on both her Apple Watch and iPhone 6 had been updated and were ready to use (despite the physical card not yet arriving or being activated.)
This is the real problem...so many places don't take it. And until Walmart/Sam's Club, Costco and my credit union support Apple Pay, it's useless for me.
What do you know ??. Out of all the Banks CommBank is commonly considered the last that will offer it, they are way too obsessed with their own offerings, so if you know something Id love to know
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Your bank sucks then. Why would you do business with a client who has an attitude like that?
Yes, but the way fingerprint scanner works on the iPhone is different. It uses the secure enclave and tokenisation. Put it this way, the way to hack it is very very hard (if possible)
On the other hand you have plastic bank cards that are easy to clone, steal, copy details, they get lost and what not!!! Seriously, Why anyone who have Apple Pay capable devise would use physical bank cards on terminals where Apple Pay is enabled, is beyond my understanding.
That would be a United States problem, sir. Canada, AU, the UK, and China have contactless card readers in most of their stores.
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I stopped going there because their terminals are relatively inaccessible. I sent an e-mail to corporate about why they have such stupid readers in a place where the customer can't access them. The readers at Subway are actually intended to be customer facing, but they hide them. I don't even shop at Subway anymore... Wegmans has consumer facing terminals and better subs anyway.
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Because American's are too lazy to try new technology, and too dumb to learn how it works, and to understand why it's better than using a magnetic stripe card to make a purchase.
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It's encrypted AND tokenized. That's like saying chipped cards aren't secure... They are.
Your instincts are good, but - due respect - your conclusions are not.
Yes, systems are hackable. That's why so many data systems have been breached - Target, Home Depot, TJX (parent company of TJ Maxx, Marshall's, Home Goods, etc.), U.S. Government Office of Personnel Management, Sony, Anthem, and many others.
Here is the crucial point >>> When you use your old "swipe"-type card (debit or credit), your information is captured in the merchant's system. Your information (name, card number and more) is now only as secure as the merchant's data system, which we know from experience may not be secure at all.
Apple Pay is more secure than old swipe-type credit cards and debit cards. When you use Apple Pay, only a single-use token is captured by the merchant's data system. Your information is not transmitted to the merchant (that's why so many merchants are resisting - see below). The merchant gets paid based on the token, so your data remains secure, or at least much more secure than the merchant's data systems have been historically.
Another secure feature of Apple Pay is the immediate feedback. When you make an Apple Pay transaction, the merchant and charge amount are immediately displayed on your phone.
When you mentioned "bank cards", I assume that you referred to debit cards. Debit cards are, in my opinion, very risky. Debit card transactions are immediately deducted from your bank account. Maybe your bank will be cooperative in reversing a fraudulent transaction. Or maybe not. In either case, your bank account balance is affected, likely resulting in bounced check fees, overdraft fees, low balance fees or worse.
Fraudulent transactions using credit cards do not affect your bank account balance. You pay from your bank account only after you see the credit card statement, with plenty of time to challenge unauthorized charges.
You mentioned insecurity of "public networks" in your post #17. This appears to refer to wi-fi networks. Apple Pay uses NFC, which works only when your device is within inches of the payment terminal. This is different from public wi-fi. Further, communication with NFC authenticates with your phone's Secure Enclave. This is hardware, hard-wired in your phone accessible only by your fingerprint. Even if your phone were hacked, through public wi-fi in your example, your Secure Enclave would not be hacked.
Final comments: Some merchants (Walmart, Target and others) do not accept Apple Pay because they prefer a competing system that allows merchants to collect - and use - your identity and data. This compromises security, of course, but the merchants don't care. This is disgusting, in my opinion. One competing system, CurrentC, is promoted by MCX, a consortium including Walmart, 7-Eleven, Target and many others. CurrentC works by directly accessing your bank account and is much more awkward to use than Apple Pay. Fortunately CurrentC appears to be floundering, but many of the MCX-affiliated merchants still do not accept Apple Pay.
Apple Pay's design fundamentally improves your security and privacy, compared to old debit and credit cards and compared to competing systems such as CurrentC. Respectfully, I recommend that you discontinue use of your debit card and use Apple Pay or one of the new chip-enabled credit cards.
Customer-facing IT tech wise, that's the best bank we have in Latvia. Everyone else is struggling with basic stuff like checking my balance without authenticating
The moment you realize you are in the minority it will become readily apparent why the uptake isn't as much as some would like. The majority of people don't have iPhones. A significant portion of those who do, can't use the feature. A lot of retailers don't want to invest in new terminals because their customers continue to buy anyway. A huge swath of the population is just getting used to chipped cards.
I'd love for both APays (Apple and Android) to be more accepted but beyond early adopters, nobody really cares that much. Neither retailers nor customers.
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Yes it is. Here's some info on both that may help you get rid of some misconceptions you seem to have.
https://www.android.com/pay/
http://www.apple.com/apple-pay/
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It's based on the same idea Apple Pay is based on---it requires your fingerprint and uses tokenization. I'd say it's more secure than using MS and chip cards.