I am in Canada, and I don't see any incentive to use my iPhone to pay for something, versus my tap bank card. The bank card works, is smaller and lighter and has unlimited battery life.
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Early Apple Pay Reception Tepid Outside of United States
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My SS Apple Watch was quite nice for what it was. I never comment on a product I dont have first hand ownership experience with.
Fiddle is what one does as they setup a new Apple Watch, become accustomed to it, then respond to the demands of battery charging, app updates, watch face tinkering, notification setting and other compelling, yet time wasting tasks.
Finding no true benefits of interest to me, I am happy that I satisfied my curiosity and even happier that I returned it for credit.
You may notice, no where does it say Apple Watch is essential.
Has nothing to do with bait articles. The USA is 5 - 10 years behind the rest of the world. We've had Chip and Pin machines for almost 15 years, Contacltess started 10 years ago. Apple Pay just doesn't matter in the rest of the world.
Do not know about the rest of the world, but in the UK almost all new cards issued for anything are contactless now. From Library Cards to Bus Passes.
Add to the mix the value proposition was off. The big selling point for Apple Pay in the US was being able to make secure/anonymous transactions. At the time it was release pretty much every consumer had probably had their credit/debit card information hacked. But other than the inconvenience of getting replacement cards, they didn't feel any pain. I think that Apple hoped consumer pressure for more secure transaction would put pressure on retails to allow Apple Pay. But there was no groundswell.
As you said, the majority of iPhone users aren't aware of Apple Pay or using it on a regular basis. Until you change the hoping habits of the critical mass - not just diehard Apple fans, adoption is going to be slow.
C&P is closing the security issue, so the sell really moves to 'convenience'. But until NFC gains critical mass (or Apple pay takes a page from Samsung Pay and works with MST terminals), it'll be hard to gain critical mass their either.
I use Apple Pay every day here in Canada. Works much more reliable using iPhone vs. tapping a card around a reader with no feedback. Apple Watch on the other hand is unreliable and doesn't work half the time... I try my watch and doesn't work then have to use iPhone right after and sometimes the employee has to restart the transaction. Therefore I rarely use watch because it wastes time and could potentially hold up the line. Also looks goofy holding my wrist at weird angle to some terminals.
Doubt it. I put my watch on at 7 am take it off around 10 pm, tracks my activity, documents my workouts, answers calls in car, sends notifications, reply to messages, controls my GoPro, to name just a few. Repeat 7 days a week. A very big challenge for you to use your computer as much as I use my watch. I have a MacBook, iPhone, and other Apple devices that are all very useful. I consider each and everyone of them an integral part of my daily technology needs. The Apple Watch fills in the gaps between the other Apple products nicely, again 15 plus hours a day 7 days a week. Just saying.
Good points, thanks. I guess a few seconds just doesn't seem all that slow, so I'm fine either way. The privacy thing is good though.
Maybe I'm just not paying close enough attention, but it never seemed that slow to me (most places... some of the little shops with the handheld wireless units can be quite slow).
Yes, that's a benefit.
Ahh, maybe more a credit-card thing. I hardly ever use a credit card, and I only have one debit card I usually have to deal with, so that part is pretty simple... and there's no signing. Worst case, I put the chip in the slot and enter a pin. But, it's pretty easy and fast. But, yes, the tokenized/anonymous aspect is a benefit.
Skewed how? The report mentions nothing regarding Canada. The second paragraph of the Reuters story even notes that the 5 big banks in Canada were recently added.
I tried Apple Pay once in Singapore at the #1 supermarket chain by far: FairPrice. I won't be trying it again any time soon.
FairPrice is part of the big LinkPoints loyalty card program, and one of the major banks (OCBC) issues "Plus" credit and debit cards, the only payment cards within the LinkPoints program. (There's also a standalone LinkPoints card, but that's not popular.) These cards are already contactless, but "dual" and even "tri" contactless cards are quite common in Singapore. The Plus cards are contactless for both LinkPoints and Visa. Many other cards are contactless for EZ-Link or NETS plus a major card network like Visa or MasterCard. POSB even has a card that's triple contactless for the PAssion points program, EZ-Link, and MasterCard.
With that background, here's how Apple Pay "works." You register your already contactless OCBC card with Apple Pay. So far, so good. Then you go shop at FairPrice and head to the register to check out. Before payment you try to give FairPrice your LinkPoints number using Apple Pay. That doesn't work. You have to pull out your OCBC Plus card and, via contactless exchange, FairPrice gets your LinkPoints number. So then can you pay via Apple Pay? Well, yes, you can. But why on earth would you do that? You just pulled out your contactless OCBC Plus card for the LinkPoints, so just tap it again on the same contactless terminal to pay. Apple Pay just slows you (and those behind you) down, a lot.
It's not just FairPrice. Did Apple even step into a supermarket or pharmacy in Singapore to see how this stuff works before trying to roll out Apple Pay in this country? I wonder. Singapore is chock full of double and triple contactless cards that combine loyalty programs, stored value networks, and credit/debit payment networks. Apple Pay doesn't seem to support any more than the contactless credit/debit payment networks (Visa, MasterCard, American Express). For example, at Guardian (pharmacy), Cold Storage (high end supermarket), and Giant (mid-market supermarket) -- all part of the same conglomerate -- the loyalty program is the PAssion card. So if you use your POSB PAssion debit card, you can collect your points and pay with two contactless taps of the same card. Why use Apple Pay for the second tap? Of course you wouldn't. It doesn't make any sense.
FairPrice is part of the big LinkPoints loyalty card program, and one of the major banks (OCBC) issues "Plus" credit and debit cards, the only payment cards within the LinkPoints program. (There's also a standalone LinkPoints card, but that's not popular.) These cards are already contactless, but "dual" and even "tri" contactless cards are quite common in Singapore. The Plus cards are contactless for both LinkPoints and Visa. Many other cards are contactless for EZ-Link or NETS plus a major card network like Visa or MasterCard. POSB even has a card that's triple contactless for the PAssion points program, EZ-Link, and MasterCard.
With that background, here's how Apple Pay "works." You register your already contactless OCBC card with Apple Pay. So far, so good. Then you go shop at FairPrice and head to the register to check out. Before payment you try to give FairPrice your LinkPoints number using Apple Pay. That doesn't work. You have to pull out your OCBC Plus card and, via contactless exchange, FairPrice gets your LinkPoints number. So then can you pay via Apple Pay? Well, yes, you can. But why on earth would you do that? You just pulled out your contactless OCBC Plus card for the LinkPoints, so just tap it again on the same contactless terminal to pay. Apple Pay just slows you (and those behind you) down, a lot.
It's not just FairPrice. Did Apple even step into a supermarket or pharmacy in Singapore to see how this stuff works before trying to roll out Apple Pay in this country? I wonder. Singapore is chock full of double and triple contactless cards that combine loyalty programs, stored value networks, and credit/debit payment networks. Apple Pay doesn't seem to support any more than the contactless credit/debit payment networks (Visa, MasterCard, American Express). For example, at Guardian (pharmacy), Cold Storage (high end supermarket), and Giant (mid-market supermarket) -- all part of the same conglomerate -- the loyalty program is the PAssion card. So if you use your POSB PAssion debit card, you can collect your points and pay with two contactless taps of the same card. Why use Apple Pay for the second tap? Of course you wouldn't. It doesn't make any sense.
And it can be skimmed by fraudsters. Seriously, with all the Apple Pay articles how do people not understand the reason to use it is for the added security and to reduce fraud?
Hong Kong has had a contactless card system operating flawlessly for the last 19 years. All forms of public transport, virtually every minor retail outlet, through to paying for your stay at hospital for having a baby is all paid on the "octopus" card (which can't be skimmed). While a few years behind, most other countries are getting similar things in place. Glad USA is catching up, but there's no incentive for the rest of the world to adopt.
They said: "but has met resistance in Australia, Britain and Canada where banks are building their own products"
How can they include Canada in that when it was revealed that the delay was due to Interac implementing the tokenization system for transaction? This sentence implies these banks want to make their own system.
Using touch-ID is faster than keying in a 6-digit passcode for my debit card. Plus, it's cool, I like that it keeps a log of my purchases, and between an Apple solution and another option, I will usually prefer the Apple solution so long as it is comparable in terms of ease of use and / or utility.
It's not. That was just hyperbole. I use Apple Pay whenever possible, which thankfully is finally becoming more and more common. I never have an issue, and it is soooo much faster than either swipe or chip readers. If only the retailers were smart enough to turn off signatures for Apple Pay transactions.
I think the point is that Apple is trying to break that chain of data if the purchaser doesn't want to be tracked like that. Of course, they make out well in the deal too, so they aren't being completely altruistic.
The reason there hasn't been a great adoption is that only one of the banks support Apple Pay...the comments about Australia are coming from the banks that won't support Apple Pay.
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Exactly. Uptake in the US is artificially high because Apple Pay actually offers a significant benefit over there. Contactless payments have been the norm (certainly here in Australia, but in plenty of other countries too) for the last 5 years, so why would people be drawn to this "new" service?
Most of the comments on here about Apple pay being useful convenient are actually referring to the contactless nature (no signing, pin etc) rather than using applepay in particular.
More importantly.... if the consumers don't really care, why would banks want to adopt it and pay Apple a % ? Somebody above observed that people should switch banks just to get applepay.... lol.
Personally, I might use it at the point it becomes more ubiquitous - then I could downsize my wallet - but it's kind of an all-or-nothing deal.
Also, I don't want to look like a t*t waving my phone in front of the card sensor, asking the shop assistant if they take applepay...."apple what?", "oh, nevermind *pulls-out card*"
I constantly tell customers we accept Apple Pay. Most just shrug it off and pay with their cards.
I think they're referring to Bendigo Bank's EFTPOS terminals accepting apple pay from ANZ customers.
In addition to a lukewarm reception in the countries where it is available, Apple Pay is seeing a slow global rollout due to the need to negotiate transaction fees with multiple partners. Apple makes approximately 15 cents for every $100 spent in the United States, but has had to negotiate lower fees in some countries. Apple has also faced resistance in locations like Australia, Canada, and the UK because banks in these countries are building their own competing payment products.
I read it somewhere ..
The reason we have problems in Australia is because the banks don't support Apple Pay, once they do we'll all be using it.
