Why have so many become NFC/Apple Pay snobs?

[CoilTap]

http://www.washingtonpost.com/news/...and-apple-poised-to-be-regulated-by-the-cfpb/

http://www.creditslips.org/creditslips/2014/09/apple-pay-and-the-cfpb.html

The spec for Apple Pay is all you need to know? Wow.. Of course, this is coming from someone saying Apple isn't doing any banking. I suppose that small percentage Apple receives from all apple pay payments is charity?

I'd prefer to see some assurance reviews and more controls in place before trusting Apple. As would many others. For now, Apple Pay is a high risk beta project with little to no oversight. Hopefully the feds step in soon and provide some guidance.

You've posted two opinion pieces from people who don't seem to fully understand the facts. Good job. Further, you've demonstrated your own ignorance of this situation as the CFPB doesn't regulate banks. Banks are regulated by the FDIC and the Federal Reserve. So, my point stands, even if the articles are correct, Apple is not in a place to be regulated as a bank, but may be as a financial services provider. There is a *huge* difference between those two things.

If you think Apple Pay is high risk, then I'd suggest you also get all of your billing info out of iTunes and every other Apple service since there's really nothing they're doing today that's any less secure.

 

[KdParker]

The reason for most will be which drug store is approved by the health insurance that was forced on them by obamacare. My policy says I must go to CVS who made a deal with BlueCross. I have been using Wallgreens and will continue to do so.

You know that insurance companies have been forcing people to deal with certain companies for years. This reference to the ACA has nothing to do with ApplyPay and why people are looking for a better solution to credit card fraud.

 

[chabig]

http://www.washingtonpost.com/news/...and-apple-poised-to-be-regulated-by-the-cfpb/

http://www.creditslips.org/creditslips/2014/09/apple-pay-and-the-cfpb.html

The spec for Apple Pay is all you need to know? Wow.. Of course, this is coming from someone saying Apple isn't doing any banking. I suppose that small percentage Apple receives from all apple pay payments is charity?

I'd prefer to see some assurance reviews and more controls in place before trusting Apple. As would many others. For now, Apple Pay is a high risk beta project with little to no oversight. Hopefully the feds step in soon and provide some guidance.

Those two articles have Apple Pay wrong. When you purchase with Apple Pay, the money goes from your credit card company to the merchant. Apple never touches the money. That should be enough to show that Apple isn't a bank. Besides, what kind of guidance would you expect from the Feds?

 

[Jazper]

Apple Pay is still faster than whipping out a card, so even if there is complete parity in terms of security (which there actually is not), Apple Pay still wins from the convenience factor.

Apple Pay is more secure than using cards, even over chip and pin cards as you don't need the pin for online transactions...

 

[imnjs]

After reading through this thread it amazes me how people can become so dependent on a technology that (when it comes to Apple) is still in its infancy. Credit and debit cards have been around since before the majority of us were born and I can almost guarantee you that the thought of security was not this paramount before ApplePay was brought to the table. No. You walked into a store, got what you needed, paid with cash or a card, and didn't even subconsciously think that your info could be compromised. That's just how it's been for the last few decades. And now that you guys finally get something that touts better security you think using physical cards is the absolute worst possible thing you could do. How ridiculous is that?

 

[Appl3FTW]

Be careful as these people will attack you if you speak negatively about their God.

Hahaha too much

 

[ET iPhone Home]

Don't take this the wrong way, but I've noticed one thing since the introduction of Apple Pay that didn't seem to be present when there was only Google Wallet. People have become way too snobbish towards Apple Pay. Why is everyone getting so bent out of shape when their favorite retailers or even retailers they probably don't shop at in the first place are disabling NFC/Apple Pay? I get that NFC may or may not be the future of how we pay, but refusing to pay any other way other than Apple Pay is getting out of hand. Don't you think? Admittedly I've been an Android user for the past few years with access to Google Wallet, but I just don't see the allure of NFC. To me it's almost like a novelty. Maybe I'm the only one? Sorry for the rant, but I'm trying to understand the hype with Apple Pay. Is there some incentive to this over conventional credit card use? I never use cash if that helps and almost always pay by credit, but I'm trying to see the bigger picture I guess.

Maybe everyone's just excited because this is something new. Perhaps the hype will die down after the "newness" wears off.

/Rant over.

These "people" you speak of probably likes to be seen by others in the line when they whip out their iPhone 6 and + to pay for goods and services. It's all for show. It's called "look at me" syndrome.

 

[legioxi]

I don't consider anyone a snob for using something to protect their credit and privacy. My card was stolen in the Home Depot theft a few months back.

While I wasn't responsible for charges I didn't make, it was a pain in the ass to replace my main card and update everywhere it is used.

I'll only use Apple Pay, chip and pin or cash now. No more insecure swipes. The only reason I don't use cash everywhere is carrying it is also a risk as theft of cash isn't something you can get back.

 

[CoilTap]

Apple Pay is more secure than using cards, even over chip and pin cards as you don't need the pin for online transactions...

Yes, I know. Which is why I said there is not security parity between Apple Pay and Chip and Pin. Further, the US is moving to chip and signature and not chip and pin, so Apple Pay still has a huge advantage. My previous post was just saying that even if there *was* parity, Apple Pay wins on convenience.

 

[jim.hickman.777]

Yea your more likely to see a cow than a NFC out here. Still using paper and pens in Oklahoma

 

[sillywabbit]

Why have so many become NFC/Apple Pay snobs?

After reading through this thread it amazes me how people can become so dependent on a technology that (when it comes to Apple) is still in its infancy. Credit and debit cards have been around since before the majority of us were born and I can almost guarantee you that the thought of security was not this paramount before ApplePay was brought to the table. No. You walked into a store, got what you needed, paid with cash or a card, and didn't even subconsciously think that your info could be compromised. That's just how it's been for the last few decades. And now that you guys finally get something that touts better security you think using physical cards is the absolute worst possible thing you could do. How ridiculous is that?

I can see all the Apple minions picketing outside CVS and Rite Aid right now.

They are chanting "boycott, boycott!"

 

[Newtons Apple]

Yea your more likely to see a cow than a NFC out here. Still using paper and pens in Oklahoma

It will be next year before we see a big movement to the NFC terminals. Not sure how many will allow Apple Pay. Time will tell in the months to come.

 

[HEK]

http://www.washingtonpost.com/news/...and-apple-poised-to-be-regulated-by-the-cfpb/

http://www.creditslips.org/creditslips/2014/09/apple-pay-and-the-cfpb.html

The spec for Apple Pay is all you need to know? Wow.. Of course, this is coming from someone saying Apple isn't doing any banking. I suppose that small percentage Apple receives from all apple pay payments is charity?

I'd prefer to see some assurance reviews and more controls in place before trusting Apple. As would many others. For now, Apple Pay is a high risk beta project with little to no oversight. Hopefully the feds step in soon and provide some guidance.

And show us your iPhone 6
Or you just trolling?

 

[McDaddio]

Don't take this the wrong way...Why is everyone getting so bent out of shape when their favorite retailers or even retailers they probably don't shop at in the first place are disabling NFC/Apple Pay?

Why are Android users so concerned about Apple users and calling them snobs in an Apple forum?

You seem very concerned.

Aren't there Android forums that people can troll in?

 

[dontwalkhand]

Hope I don't offend anyone but I visited the US this summer from the UK and couldn't believe you guys are still handing over your credit cards to retailers and signing for stuff.

The reason I find this a concern is my partner who visits the US regularly has had a number of fraudulant trnsactions appear on her card. Presumably because someone has swiped it when she handed it over and made a copy. At least with Apple pay no one walks off with your card and copies it.

Umm I barely know of any place that takes the card from me anymore. Most places you swipe the card yourself and then enter PIN/sign an electronic screen.

And two of my cards got issued have your fancy Chip & PIN technology and when I try to swipe it at Walmart the terminal won't let me swipe, it says it has to be inserted. I insert it and then I key in my PIN, and then I'm off. Sounds very similar to Europe to me. And the cards have NFC, not that I'll ever use it because I have the same cards in Apple Pay, and would much rather use that.

Even with Chip & PIN, Walmart is STILL mining my data regardless, and Apple Pay would not allow that.

The only places we are still behind on are restaurants and yes I do not like them taking my card. But that's changing too, at Chili's and Red Robin, I swipe the card myself at a table side tablet, and sign on the screen. I hope the tablets get NFC Soon.

 

[McDaddio]

This is what is wrong about all of this (besides the obvious trolling here)

According to a recent article in Fortune, the quote from former Walmart CEO Lee Scott sums it up:

I don't know that MCX will succeed and I don't care. As long as Visa suffers"

It has nothing to do with the consumer, security or providing a better service.

The proposed system using the QR codes was already hacked in China and their central bank has already ordered Alipay to stop using it.

 

[lordofthereef]

Wrong again. No company on Earth puts the customer experience higher than Apple.

I would argue that Tesla does. But that argument is pointless lol.

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Why are Android users so concerned about Apple users and calling them snobs in an Apple forum?

You seem very concerned.

Aren't there Android forums that people can troll in?

Because some of us use both (and are genuinely curious regardless).

I also don't get the "why don't people troll android forums?" Questions here. They do. You just don't see it because you're not there lol.

 

[McDaddio]

After reading through this thread it amazes me how people can become so dependent on a technology... How ridiculous is that?

I am amazed that someone can read this thread and conclude that people are "dependent on a technology" rather than wanting to use the tech for better convenience and security.

Or maybe I missed the posts where people were unable to make any purchases at all using a credit card or cash.

How ridiculous is that?

 

[smithrh]

One should be aware that there will be astroturfers from the other camp.

Whether they're here or on other fora, who knows, but as always, check your posters join date and previous post history to gain an understanding of where the poster is coming from.

 

[sillywabbit]

I am amazed that someone can read this thread and conclude that people are "dependent on a technology" rather than wanting to use the tech for better convenience and security.



Or maybe I missed the posts where people were unable to make any purchases at all using a credit card or cash.



How ridiculous is that?

I will just continue to swipe my card, easy.

Let Apple try to convince the retailers/consumers to use Apple Pay.

Very little incentive for me.

 

[ZebraDude]

Funny reading people say it's more secure. Secure for who? Regardless of who it's more secure for you as a credit card holder if your card gets compromise, your not responsible for single penny regardless of who the responsibility lands on, whether it be the credit card issuer or the merchant.

Not always true! I work in Retail Banking Management and if the Cardholder is a Business entity the Government REGS DO NOT APPLY!. I have had two business clients of mine lose thousands of dollars in fraudulent charges and they were NOT reimbursed!

I have had all of my cards replaced this year due to them being compromised. I personally love the security that Apple uses and I hope more banks/merchants embraces it!

Remember the EMV cards do not protect you with online transactions!

 

[imnjs]

I am amazed that someone can read this thread and conclude that people are "dependent on a technology" rather than wanting to use the tech for better convenience and security.



Or maybe I missed the posts where people were unable to make any purchases at all using a credit card or cash.



How ridiculous is that?

Hey let's just slice up my post and make it sound like I was talking about technology as a whole. Makes sense.

I honestly don't care. If the release of Apple Pay makes people have negative thoughts about using other payment methods, that's on them. I was just simply stating that having that mentality of "if you're not going to accept my brand new two-week-old payment method then I will refuse to give you my business even though I have purchased many goods and/or services from you in the past with cash or card".

 

[srshaw]

Umm I barely know of any place that takes the card from me anymore. Most places you swipe the card yourself and then enter PIN/sign an electronic screen.

And two of my cards got issued have your fancy Chip & PIN technology and when I try to swipe it at Walmart the terminal won't let me swipe, it says it has to be inserted. I insert it and then I key in my PIN, and then I'm off. Sounds very similar to Europe to me. And the cards have NFC, not that I'll ever use it because I have the same cards in Apple Pay, and would much rather use that.

Even with Chip & PIN, Walmart is STILL mining my data regardless, and Apple Pay would not allow that.

The only places we are still behind on are restaurants and yes I do not like them taking my card. But that's changing too, at Chili's and Red Robin, I swipe the card myself at a table side tablet, and sign on the screen. I hope the tablets get NFC Soon.

Ok I'll admit that a lot of stores allowed me to swipe my card and enter a signature on a terminal , but plenty of bars and restaurants would take it from me. And in any case, a signature is hardly very secure since it isn't really checked, so any one could use a stolen card or a cloned card.

I'm not really going to debate the merits of the US system, all I know is that my partners' card as some how been cloned and I have payments on my account for a shop I have never been to. i'm sure the credit card company will sort this out, but the fact remains it still struck me as old fashioned the way credit cards are used in the US.

 

[ChrisTX]

Why are Android users so concerned about Apple users and calling them snobs in an Apple forum?

You seem very concerned.

Aren't there Android forums that people can troll in?

How do you figure I'm a troll? I asked a very legitimate question in a civilized manner. Plus my question has already been answered earlier in this thread. FYI, I own 2 Macs, an iPad, and an Apple TV. Definitely no trolling here.

 

[McDaddio]

Hey let's just slice up my post and make it sound like I was talking about technology as a whole. Makes sense.

That is not what I did.
I specifically mentioned the tech for the convenience and security.

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How do you figure I'm a troll? I asked a very legitimate question in a civilized manner.

if you think referring to people as "snobs", and claiming that "everyone" is "getting bent out of shape" is being civilized, I don't want to see you when you think you are uncivilized.

There are people who protest when Affleck was cast as Batman, that doesn't mean that everyone who plans to watch that movie is getting bent out of shape.