I live in America and get all of these benefits and still choose not to use Apple Pay. It's just not the life changing feature Apple makes it out to be.
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Retailers Cite 'Insufficient Customer Demand' as Biggest Reason for Not Supporting Apple Pay
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One of the main reason I use Apple Pay is that I don't want my card data got leaked if the store got hacked. It has happened before, got my card replaced because of this.
And I don't want the store to data mine my stuff either. Those who keep saying debit/card is just as easy, keep doing it. I hope you got breached then you'll understand the reason. Until it happens to you, you won't quite get it.
And I don't want the store to data mine my stuff either. Those who keep saying debit/card is just as easy, keep doing it. I hope you got breached then you'll understand the reason. Until it happens to you, you won't quite get it.
More people are going to start realizing that the chip-enabled cards being implemented here are a half measure at best. There's not even PIN on most of them and almost all of them will prefer signature first. People aren't realizing it right now because not many places have chip turned on yet (see map in signature).
Older people might prefer cash or check, but younger people use card a large part of the time from what I can tell.
This is definitely a good point, but I would expect that once contactless payments are more widely adopted, we will start seeing two things:
1) More severe financial penalties for breaches and fraud caused by companies implementing their own payment security.
2) Higher insurance premiums for less secure payment technologies, and the companies that use them.
I don't think we'll see any long term incentives, but I wouldn't be surprised to see short term incentives to push things past the tipping point once availability is more widespread. It's still slightly early to do that now, but in the fall I would expect some competition as companies bring their support online.
I believe Apple needs to offer a way to allow stores to add loyalty cards to the automated process. Then, if the consumer opts in to a loyalty card they can be tracked in accordance with how the agreed to do that with the store. Plus, less cards to carry. I'm sure this is in the works. I wonder if Apple wants too much control of it, and retailers are balking, though. Apple is really on this privacy push but there are some areas where consumers would rather have the convenience as long as they know what's going on. Apple needs to allow for this, IMO.
You don't want to be more secure with your credit? I know we aren't liable for the charges if fraud occurs but having your credit card cancelled is a PITA, especially if you have used the number to autopay some bills.
We didn't know we wanted pay at the pump until those gas pumps started showing up back in the 80's. The only thing that pushed retailers to adopt it was consumers avoiding gas stations that didn't support it. I now use retailers that support Apple Pay more (or those that don't less). Vote with your feet!
If you haven't used it, try it. It is SO much faster, easier, and trackable than swiping and signing or paying by cash.
If you haven't used it, try it. It is SO much faster, easier, and trackable than swiping and signing or paying by cash.
I must be in the minority because I forcefully hold my phone or watch up to the terminal even when I don't see the NFC logo just to see if it works. And many times it does. I will actively use it even in situations where my card may be easier to use because I want them to accept and adopt it. Yes, I do make the person hold out the NFC terminal at the McDonald's drive thru. McDonald's adopted non-fixed terminals for this very reason. They've had them for years.
ApplePay is not going to be adopted just because Apple invented it. Google has had Wallet for years and its not been widely adopted at retail. Make a point to use it so tellers and store employees will see. I still hold my phone up at the Target terminal every time because I want them to know I want to use it. I have my card in my other hand and I swipe it.
If we force retailers to see that we as customers want to use it, they will adopt it. Yes it may be easier now to use a card, but perhaps in the future cards will be harder to use instead. I, for one, like the technology. I like leaving my wallet in the car as a backup, and I like that Target and any other retailer won't have my data available for the next hacker.
The biggest obstacle to me is not that retailers are simply waiting for us to ask for it. They said right there in the article, it doesn't allow them to see your data. And that right there is all you need to know about retailers.
ApplePay is not going to be adopted just because Apple invented it. Google has had Wallet for years and its not been widely adopted at retail. Make a point to use it so tellers and store employees will see. I still hold my phone up at the Target terminal every time because I want them to know I want to use it. I have my card in my other hand and I swipe it.
If we force retailers to see that we as customers want to use it, they will adopt it. Yes it may be easier now to use a card, but perhaps in the future cards will be harder to use instead. I, for one, like the technology. I like leaving my wallet in the car as a backup, and I like that Target and any other retailer won't have my data available for the next hacker.
The biggest obstacle to me is not that retailers are simply waiting for us to ask for it. They said right there in the article, it doesn't allow them to see your data. And that right there is all you need to know about retailers.
old habits dye a slow debt. People have been whipping out their wallets for so long that it's going to take time or an 'Incentive ' to use ApplrPay
No, a credit card number is very insecure, it's early 80s technology. The number must change for each transaction.
AmEx was giving out cash back when using Softcard but people still didn't adopt it (mostly because there was nowhere to use it).
But it's my privacy that I'm worried about. And I don't use cash.
What pisses me off about this article is that the retailers don't really know. I went to JambaJuice the other day and asked to use applepay, it didn't work and I'm 100% sure it was because the cashier didn't know what she was doing. On top of that, she's a 16 year old at the store for the summer, do you really think she gives a **** about reporting accurate numbers? If her boss asks her "how often do people want to use apple pay?" She'd probably say "like uh, neverrrrruhhhh."
In my experience: if it's self checkout, I can use it and it works every time. If I have to rely on a cashier, they always **** it up
A guy at work got his money stolen the other day based on his CC info. I felt so bad for him. It wasn't even the first time they did it.
Honestly. I think Apple Pay is cool and I use it where I know it is accepted if I happen to think of it. The problem is, I don't know half the time whether it is or isn't. Also, quite frankly, it is no more difficult for me to swipe my credit card than to get out the phone, hold my thumb on it, and hope it works.
Are retailers going to give it 10 years though? Will banks? Sadly I can envision a situation where some banks stop supporting it precisely because of "low use", just like with the contactless cards (which were around as far back as 2006-2007 in the US).
That said, Apple Pay is way more popular than the contactless cards ever were (and has Apple's huge marketing machine behind it), so it may have a better shot this time.
This!!!! It's not that people don't want it. They don't know they even have an option for more secure data. Apple put the USA first as a courtesy and to not trigger people getting all bent out of shape from a marketing perspective. Whoever said Apple maybe should went to Canada with Apple Pay first would automatically make US customers want it simply because the other country got it before we did.
The flaw in that logic is that targeted ads generate more revenue for THEIR product. Generating interest by offering discounts is more effective than just lowering the prices and hoping people buy it. That's why grocery stores offer 'incentive cards' with special discount on select items (in exchange for tracking your shopping habits.0
Retail marketing isn't the bad guy. Nor is any company trying to increase their marketshare or revenue...I'm sure the company you work for is always trying to increase sales too.
If it's above board and I agree to it...I don't mind at all. Now if it's selling that data or sharing it (as the MCX consortium wanted to do) that's another issue.
The bottom line is NFC anonymous payments is never going to be a big incentive for the retailer. Follow the money. The real benefit to this, and the one entity that can push it, are the banks/credit card companies that end up paying the cost for preventing, covering, tracking fraudulent activity. Apple's sell to them is they could save a lot of that money by supporting anonymous payments. They have the most to gain by pushing the technology....and a much bigger impact than AP...whose use is mostly limited to hardcore Apple fans.
With CC and Information security being at issue, I think it'll catch on but not as fast as people thing. People still have to be on the latest Apple and Android devices to use anything like an Apple Pay. I think by year 3 every one will be using it.
On a recent road trip I stopped at a teeny tiny grocery store in the middle of nowhere in south central Utah, town population of 8 (give or take a couple). The store accepted Pay. I used it to buy snacks and drinks.
ApplePay isn't even a year old yet. (Keep in mind the iPhone 6/+ and AW are the only compatible Apple products). Of course retailers are taking a wait and see. New terminals w/ NFC are not inexpensive. I suspect things might change as merchants are forced to upgrade terminals to accept chip cards -- might as well get one that is NFC capable. Personally, I didn't see the point of NFC w/ my phone but I do now that I have an AW which doesn't require me to reach into a pocket for either a phone or wallet.
Nope the incentive is banks making retailers responsible for fraud.... also Passbook being useful with NFC will also help.
No, the US got it first because otherwise the US would never have the infrastructure to support it.
Look, retailers here are cheap. They need to upgrade to support chip and PIN/signature anyway and want to do it in the least expensive possible way. Without something compelling like Apple Pay they would have gone with the card terminals without NFC support or the ability to add it, guaranteed. Then when Apple finally brings it to the US after bringing it to nearly every other country we'll be in the same situation we are now. Possibly far worse because there's no way in hell retailers are going to replace their terminals again. Plus it's a lot easier to work with people in your own country than other countries.
insufficient customer demand" was the biggest reason cited by merchants. This was followed by lack of data access granted through observing customer buying habits
I think that about sums it up right there. They want to know everything they can about you and Apple Pay keeps your identity a secret.
We use Pay at Jamba Juice all the time. Have been since before it was officially accepted.