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Tim Cook Says Pandemic Boosting Contactless Payment Adoption in United States

Frankly, I think it's pretty sad that it took a pandemic to get a lot of America to get with the program. I'm not sure it was worth it, to be honest. If there was an option for us to be far less affected by the pandemic (in exchange for us, say, going QR over NFC back in 2014-15--or possibly never adopting mobile payment), it's something I'd at least give a second thought to.

crawfish963 said:
When can I stop having to choose debit/credit and entering my PIN?
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When the US stops having some of the highest interchange fees in the Western world. In some respects, we should kinda be thankful that as many places accept cards as they do because had things gone a bit differently, I could totally see us using cash for nearly everything. Or at best, run into surcharges and minimum purchase requirements a lot more often.
 
zorinlynx said:
Yes because handing my phone to a police officer at a traffic stop is definitely on the top ten list of things I've dreamt of being able to do.
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This has come up here before. Someone from one of the states where they already have an app for your drivers license, chimed in to say that the police officers there are not allowed to touch your phone - you pull up a page that has, I think, an image of the card and a QR code, or similar, and they look at it and maybe scan it with their phone (or likely some special purpose department issued device). So, yeah, I would never hand my phone to a police officer, but the indications from places that have already implemented this is, they've addressed that situation already, and the officers are not allowed to take, or ask for, your phone.
 
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Piggie said:
That's great Tim.
It's just a pity you have to take your mask off, and risk infection/death when you need to unlock your phone with face ID.
Everyone in the media seems to be saying Touch ID should have been a priority to have put in the power button for this years models, and from NOW thru the rest of this year and into most of next year? if the exact time this is needed.
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Relax...death? I can put in my 4 digit code if Face ID doesn’t work.
 
What about contactless cards? I don't use Apple Pay, but my card never leaves my hands and I don't have to touch any terminals. Not unless the transaction is above ~$200, but I guess with Apple Pay you need to provide PIN in such scenario as well.
 
Anyone at HEB reading this? You already have the terminals, so just enable contactless payment please.
 
crawfish963 said:
I don’t know of a state where providing your name/date of birth is not sufficient. Also, the police cannot go through your phone (without consent or a warrant) if your ID is on there.
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I don’t know if you’ve been paying attention but there are a lot of things that the police in the US do even though they’re not supposed to.
 
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Is fine saying those in the U.S are happy, ut what about elsewhere... We should see the same for other countries...
 
Here in Europe, for years I have paid almost exclusively with the Apple Watch. Almost everything can be done by Apple Watch now, small shops (e.g bakeries) still are used coins or debit.

As most people have realised that the keyboards of card systems are Sars-CoV-2 a transmission path it's strange that the legislator has nevertheless not raised the confirmation-free amounts here to e.g 1000 euros. The banks are fearful notorious obstructors, I suspect.
 
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Piggie said:
That's great Tim.
It's just a pity you have to take your mask off, and risk infection/death when you need to unlock your phone with face ID.
Everyone in the media seems to be saying Touch ID should have been a priority to have put in the power button for this years models, and from NOW thru the rest of this year and into most of next year? if the exact time this is needed.
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Buying the Watch can calm you down. Or get it for Christmas.
Unlock in the morning and start to buy to buy to buy... That really is a lot of fun o_O.
 
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farewelwilliams said:
we need to be able to store our ID securely on our phones too.

yes, I know some of you won't like the privacy implications of that, but I for one would gladly ditch my wallet completely.
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I don't know if that's an arena Apple are going to get in to as I imagine there's a lot of security issues to navigate. In New South Wales we have electronic drivers licences via the states app so I am wallet free.
 
Morgenland said:
Here in Europe, I think I’ve used a credit or debit card about two times in the last month. Almost everything can be done by Apple Watch now, small shops (e.g bakeries) still are used coins or debit.

As most people have realised that the keyboards of card systems are Sars-CoV-2 a transmission path it's strange that the legislator has nevertheless not raised the confirmation-free amounts here to e.g 1000 euros. The banks are fearful notorious obstructors, I suspect.
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I imagine you would be fearful if it was you who would be liable for the cost of additional fraud.
 
danny842003 said:
I imagine you would be fearful if it was you who would be liable for the cost of additional fraud.
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Emotional arguments never help there. There is technology ready for this.

The entire banking system is always somewhat permeable per se, which is a very complex issue that can hardly be explained here.

There are still confirmation-free amounts. It is about weighing up risk and loss.
In general, banks could complete their reader protocol and enhance the system with a small camera (as state of art is the case with the old ATMs) or, above certain amounts, force Face-ID to be taken. Everything is easily done.

You just have to take pleasure in improving something.
 
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7149041 said:
What about contactless cards? I don't use Apple Pay, but my card never leaves my hands and I don't have to touch any terminals. Not unless the transaction is above ~$200, but I guess with Apple Pay you need to provide PIN in such scenario as well.
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The free CL card transaction amount is extremely low in Europe. That's why I love my Apple Watch several times a day.
 
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Morgenland said:
Emotional arguments never help there. There is technology for this.

The entire banking system is always somewhat permeable per se, which is a very complex issue that can hardly be explained here.

There are still confirmation-free amounts. It is about weighing up risk and loss.
In general, banks could complete their reader protocol and enhance the system with a small camera (as state of art is the case with the old ATMs) or, above certain amounts, force photographs to be taken. Everything is easily done.

You just have to take pleasure in improving something.
Click to expand...

You were talking about it being increased mid pandemic. Nobody is rolling out such an upgrade right now.
 
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