Don't you just use it in the same way that you would previously tap your credit card on the paywave reader? It's been years since I've seen a shop anywhere without one of those. Though I'm in Australia - maybe other countries aren't the same in this regard.
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Apple's Jennifer Bailey Says Customers Are Willing to Switch Banks to Use Apple Pay
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Don't you just use it in the same way that you would previously tap your credit card on the paywave reader? It's been years since I've seen a shop anywhere without one of those. Though I'm in Australia - maybe other countries aren't the same in this regard.
Don't worry, with the hundred million plus users and the million users a week signing up, sooner or later you'll bump into one
I think in the USA, it's kind of a novelty, as the payment methods were pretty archaic (i.e.: swipe credit card, sign receipt, etc.). But, for those of us who've just been tapping a terminal with a card anyway, it's less exciting. (Unless it enabled us to do away with all our cards, which I don't see happening soon.)
75% of transactions sound great until you find out it's mostly at McDonalds, Walgreens and Subway. Sounds like young single male iPhone users.
As for signing up, that million a week claim dates back to a year ago during the big China launch. Cook clearly cherry picked the best time to give such a stat.
In America, only 1 out of 20 who sign up for Apple Pay, continue to use it.
This is not Apple Pay's fault. It's just the way things are with such payments here right now. Although Samsung Pay users do a bit better since the ability to use it with non-NFC terminals is helpful.
It was indeed a good idea for Apple to use industry standards instead of trying to start something proprietary.
The greed comes in when they went further, blocked NFC and sold banks access to iPhone users. It's a classic customers-as-the-product scenario, as Cook would say.
True, there are people who think that greed is good. Well, at least as long as it's Apple doing it.
The fact that you keep calling others trolls, simply points out that you have no faith in your own posts. You've lost the debate the moment you do. It's also against forum rules to call people trolls.
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Aha! Thanks! Much more detailed than earlier studies.
Edit: oh, wait. That one is only for credit card transactions. Doesn't include debit cards. Which explains the missing Micky D's et al.
Still interesting info though!
Personally, I'd look at it the other way. If my bank only used Apple Pay, I'd switch to a bank that used cards.
I have enough trouble just getting my phone to allow me to answer a call. Endless swiping since iOS 10.x.
And we've seen enough glitches in software from Apple.
I'll stick with what always works with minimal effort.
Even if it is smooth and reliable, I don't always use the same card. And the last thing I want to do at a store is deal with my phone and choosing which card to use.
I don't have anything against Apple Pay. It's nice that people have options. But for me, and my way of doing things, adding Apple Pay would make my daily life more complicated.
I have enough trouble just getting my phone to allow me to answer a call. Endless swiping since iOS 10.x.
And we've seen enough glitches in software from Apple.
I'll stick with what always works with minimal effort.
Even if it is smooth and reliable, I don't always use the same card. And the last thing I want to do at a store is deal with my phone and choosing which card to use.
I don't have anything against Apple Pay. It's nice that people have options. But for me, and my way of doing things, adding Apple Pay would make my daily life more complicated.
No doubt! When I switched from my older iPod touch to an iPhone SE, I was excited that I'd have hand's free in the car, so I wouldn't have to pull over or wait until the next stop. Then, I find out Siri can't even do basis stuff like answer a friggin' phone call, or properly pause and restart my podcast playback after an interruption, etc.
I guess all I need to do to solve that is buy a new car or spend close to $1k on a car stereo. Sheesh!
Just own it KD, you were caught making up stuff. That 's what causes you to lose debates.
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75% of transactions sound great until you find out it's mostly at McDonalds, Walgreens and Subway. Sounds like young single male iPhone users.
As for signing up, that million a week claim dates back to a year ago during the big China launch. Cook clearly cherry picked the best time to give such a stat.
In America, only 1 out of 20 who sign up for Apple Pay, continue to use it.
This is not Apple Pay's fault. It's just the way things are with such payments here right now. Although Samsung Pay users do a bit better since the ability to use it with non-NFC terminals is helpful.
You have a strange obsession with knocking all things Apple even in the face of overwhelming facts.
It was indeed a good idea for Apple to use industry standards instead of trying to start something proprietary.
The greed comes in when they went further, blocked NFC and sold banks access to iPhone users. It's a classic customers-as-the-product scenario, as Cook would say.
True, there are people who think that greed is good. Well, at least as long as it's Apple doing it.
Please do some research so you can better understand what is involved in the Apple Pay platform. I get it that it is very technical, but please if you are going to call Apple greedy, get more informed than just parroting some wrong comment that they "blocked NFC." You should also take a business course as others have pointed out, you don't seem to understand how business works. The company you seem to admire so much, Google, has built its entire platform to sell access to users of Google products to ad companies. It doesn't make them "greedy." Amazon has built a customer base of a couple hundred million customers that companies pay for the opportunity to sell them products. That doesn't make Amazon greedy. LOL, that's how many businesses, big and small, make their money. And none of them simply sold access to users, they all spent billions of dollars building platforms to bring users together. That makes sense doesn't it? I could give you countless other examples, e.g, Facebook, LinkedIn, etc., but please take some time tonight and think about it. You might want to post an apology to Apple tomorrow. Just a thought.
The fact that you keep calling others trolls, simply points out that you have no faith in your own posts. You've lost the debate the moment you do. It's also against forum rules to call people trolls.
All I did was to help a forum member who was struggling with trying to figure out why people would spend so much of their time on a site for Apple enthusiasts hating/trolling Apple. A lot of people wonder the same thing, so I gave a resource that might provide some insight as to what must be going on for someone to lash out at a company and post silly hateful things about the employees and managers or the company itself. And while they are a minority, they are a disruptive minority, intentionally so, thus, they don't have some right to bash Apple and not be called out on it.
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Well, for the biggest column, I was like... who the heck is Duane Reade. Then I did a search, and it seems like some NYC little Walgreens? No McD's at all? But, quite a profile based on that list, huh?
Well, for the biggest column, I was like... who the heck is Duane Reade. Then I did a search, and it seems like some NYC little Walgreens? No McD's at all? But, quite a profile based on that list, huh?
Seems to match almost perfectly to Apple's usual demographic too.
Anyway, I consider Duane Reade basically the same as Walgreens. The latter kept the former's brand in NYC after their merger because it was more recognizable, IIRC.
I'm sure it depends upon whether merchants get around to upgrading their terminals. In the US there's still so little card use I can see it taking a while. Here in NZ it is well over 10 years since I've had physical money in my pocket, and most places now have contactless payment. Tiny shops, smaller cafes and so on still have swipe-only terminals but they are on the decrease as most tend to be made to update their terminals every two or three years. It won't be long before we don't need a wallet at all.
And don't forget that Apple Pay makes a whole lot more sense with Apple Watch, as you don't need to get your phone or wallet out at any stage. Security is the icing on the cake.
And don't forget that Apple Pay makes a whole lot more sense with Apple Watch, as you don't need to get your phone or wallet out at any stage. Security is the icing on the cake.
Maybe it depends on the specific location in the US but nearly everywhere takes cards where I live, the exceptions being most smaller "home services" people (plumbers, etc.) and barbers. More common is having to pay extra when using a card unless you're spending more than $5-10.
BTW we can probably thank companies like Square for making it that way. Before they came on the scene it was actually a huge hassle to accept cards and cash-only businesses were a lot more common as a result.
Yes sir, you moved the goalposts from being about all US Apple Pay transactions, to only ones backed by credit cards
Off the top of my head, and pending you and I checking the latest stats, that could leave out up to half of the transactions under discussion.
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Yes sir, you moved the goalposts from being about all Apple Pay transactions, to only ones backed by credit cards
Off the top of my head, and pending you and I checking the latest stats, that could leave out up to half or more of the transactions under discussion. ( The 3/4 of contactless payments in the US )
The debit/credit thing didn't come up until I posted the graphic above though. Also, something created just last month sounds pretty recent to me.
Well, yeah, understandably so. When the topic is all transactions, then a rebuttal chart only showing part of them, needs a caveat attached.
Leaving out debit means leaving out a huge number of transactions, many under $10, such as for fast food. Ironically, it also leaves out the most popular place to use debit for higher values, which is a grocery store. So besides the missing McDonalds, the Whole Foods chain is also usually higher on a list of most popular contactless transaction sites.
As I said, it's interesting info nonetheless. I also suspect that you simply didn't notice the crucial credit-only parameter before posting. No harm, no foul. You and I agree almost all of the time. Cheers!
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I disagree. Any relaxation of security is unacceptable to me. Especially concerning to my wallet.
Not really arrogance when it's a fact. I changed banks for Apple Pay here in Australia. As did many people I know.
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Until bitcoin becomes mainstream, innovation within the existing payment processing systems is going to be minimal. The only way to move away from the current system is with bitcoin/ alt-coins.
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Regardless of what the ACCC say, Apple have already stated that they will not negotiate collectively. Ultimately, the customer will decide....and the documents on the ACCC website already show that customers are willing to swap banks to those with Apple Pay.
[doublepost=1486753598][/doublepost]I didn't switch banks, but I took out a new credit card so I could play with Apple Pay
Same, switching all our personal and business cards to Amex directly with backup Visa cards with ANZ where Amex can't be used. Too bad NAB, been waiting long enough to get your act together.
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Live in New Zealand, changed credit cards to ANZ because they are the only ones with Apple Pay.
In Australia (and New Zealand), contact-less and cashless payments are so prevalent (Paywave etc) that having Apple Pay is actually something that sets you apart from other banks.
Was so happy with their customer service compared to my current bank (ASB) that I'm seriously considering moving all my banking over.
In Australia (and New Zealand), contact-less and cashless payments are so prevalent (Paywave etc) that having Apple Pay is actually something that sets you apart from other banks.
Was so happy with their customer service compared to my current bank (ASB) that I'm seriously considering moving all my banking over.
I have cancelled my credit card with NAB (who don't support Apple Pay) and moved somewhere else. That's just me, but still...