NutterButter
Footballguy
So are you guys telling me you don't see Apple stock getting back into the 130's?
I'm sure some people used MobileMe as well. And whatever it was for was great. The system simply isn't catching on. Con-tactless payments in general aren't catching on either.Not sure you understand how ApplePay works...It goes through the Apple network too....I don't need my financial transaction (any part of it) running through their infrastructure.Apple pay might be their biggest mistake. Last stats I saw was only 5% of people with an apple pay enabled phone AT an apple pay enabled checkout terminal have used the service.
I think they really missed the timing on this not getting in when all the POS terminals were swapping to Chip and pin transaction cards. Now they don't want to add this other new tech.
I love ApplePay and use it wherever I can. Super easy/quick... as are most contactless payments.Apple Pay, which has a tokenised backend infrastructure, makes card payments secure by creating a number or token that replaces your card details. More specifically, it creates a Device Account Number for each one of your cards.
According to Apple, the Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone and Apple Watch, and when a payment is initiated, the token is passed to the retailer or merchant. The retailer or merchant therefore never has direct access to your card details.
Chip+Pin scanners are slow as hell. At least the ones I have used are. I try to avoid at all costs.
I understand exactly how it works. Our auth team helped them with a POC when this thing was starting. I don't need any part of my financial transaction going through Apple infrastructure, even if it's the hash portion only (which is essentially the "secure element" is in their description..Not sure you understand how ApplePay works...It goes through the Apple network too....I don't need my financial transaction (any part of it) running through their infrastructure.Apple pay might be their biggest mistake. Last stats I saw was only 5% of people with an apple pay enabled phone AT an apple pay enabled checkout terminal have used the service.
I think they really missed the timing on this not getting in when all the POS terminals were swapping to Chip and pin transaction cards. Now they don't want to add this other new tech.
I love ApplePay and use it wherever I can. Super easy/quick... as are most contactless payments.Apple Pay, which has a tokenised backend infrastructure, makes card payments secure by creating a number or token that replaces your card details. More specifically, it creates a Device Account Number for each one of your cards.
According to Apple, the Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone and Apple Watch, and when a payment is initiated, the token is passed to the retailer or merchant. The retailer or merchant therefore never has direct access to your card details.
Chip+Pin scanners are slow as hell. At least the ones I have used are. I try to avoid at all costs.
Not even considering Apple until they get with the times and start using OLED displays. Displays are a huge part of their whole product line .. who wants a subpar display ... and Apples displays are horrible. Inefficient, dim, slow, outdated. When is the last time you heard Apple bragging about their Retina displays ... you can't remember because they're outdated junk ... they are like caveman wheels on a modern sportscar.
So you feel traditional infrastructure is more secure? Please elaborate.I understand exactly how it works. Our auth team helped them with a POC when this thing was starting. I don't need any part of my financial transaction going through Apple infrastructure, even if it's the hash portion only (which is essentially the "secure element" is in their description..
Apple TV has been around a long time now (they're on the 4th generation). It's basically just a digital media player that lets you stream to your TV, similar to a Roku, Amazon Fire, or Chromecast. Nothing futuristic or anything.I know next to nothing about "Apple TV" or their future with cars but both are intriguing, especially considering the hoard of cash they are sitting on, their insane brand loyalty, and the single-digit P/E ratio. Don't see how they're not a screaming buy, unless both the TV and the Car are empty pipe-dreams. Anyone have real info on those projects? I've been starting to see Apple TV ads--what are we talking about, new hardware trying to take on Netflix, Hulu, etc?
At this point people are sticking with Apple because they are either loyal, used to the software, or have all their apps and settings on IOS. Better specs than Apple have always been available.[icon] said:So you feel traditional infrastructure is more secure? Please elaborate.The Commish said:I understand exactly how it works. Our auth team helped them with a POC when this thing was starting. I don't need any part of my financial transaction going through Apple infrastructure, even if it's the hash portion only (which is essentially the "secure element" is in their description..
Orrrr maybe they prefer the OS, and don't dork out about "specs" as long as the phone does what it needs toAt this point people are sticking with Apple because they are either loyal, used to the software, or have all their apps and settings on IOS. Better specs than Apple have always been available.[icon] said:So you feel traditional infrastructure is more secure? Please elaborate.The Commish said:I understand exactly how it works. Our auth team helped them with a POC when this thing was starting. I don't need any part of my financial transaction going through Apple infrastructure, even if it's the hash portion only (which is essentially the "secure element" is in their description..
Thanks, kind of scary that I know no one who pimps Apple TV after it being around for a while. I don't live under a rock. I need to think on this investment obviously.Apple TV has been around a long time now (they're on the 4th generation). It's basically just a digital media player that lets you stream to your TV, similar to a Roku, Amazon Fire, or Chromecast. Nothing futuristic or anything.I know next to nothing about "Apple TV" or their future with cars but both are intriguing, especially considering the hoard of cash they are sitting on, their insane brand loyalty, and the single-digit P/E ratio. Don't see how they're not a screaming buy, unless both the TV and the Car are empty pipe-dreams. Anyone have real info on those projects? I've been starting to see Apple TV ads--what are we talking about, new hardware trying to take on Netflix, Hulu, etc?
Funny. Reminds me of 10 years ago when there was talk about an "Apple phone" and people were all sitting around saying "yeah, I just can't imagine that I'd be interested in an Apple phone. I mean, they make computers."I agree. I can't say I'm interested in an Apple Car.The car thing seems so dumb. I always assumed they weren't actually making an actual car but we're making the interface / interior displays for companies that make cars.
This Tim Cook guy is not creating anything. Maybe the Steve Jobs "genius" was hype but there is no arguing his run starting with the iPod.
But smart phones in general weren't a big deal and as main stream 10 years ago.Funny. Reminds me of 10 years ago when there was talk about an "Apple phone" and people were all sitting around saying "yeah, I just can't imagine that I'd be interested in an Apple phone. I mean, they make computers."I agree. I can't say I'm interested in an Apple Car.The car thing seems so dumb. I always assumed they weren't actually making an actual car but we're making the interface / interior displays for companies that make cars.
This Tim Cook guy is not creating anything. Maybe the Steve Jobs "genius" was hype but there is no arguing his run starting with the iPod.
Or maybe they're lemmings and think an iPhone is the "cool" thing to have?Orrrr maybe they prefer the OS, and don't dork out about "specs" as long as the phone does what it needs to But I get that some dudes like to FAP to Ghz. Different strokes!At this point people are sticking with Apple because they are either loyal, used to the software, or have all their apps and settings on IOS. Better specs than Apple have always been available.[icon] said:So you feel traditional infrastructure is more secure? Please elaborate.The Commish said:I understand exactly how it works. Our auth team helped them with a POC when this thing was starting. I don't need any part of my financial transaction going through Apple infrastructure, even if it's the hash portion only (which is essentially the "secure element" is in their description..
I don't know how to say it any differently. I don't need any part of my financial transaction going through Apple's infrastructure. To answer your vague question, I'd have to know the infrastructure everywhere and I don't. I only know how our institution stacks up when it comes to security and I can say with all the confidence in the world, it isn't close. There's a reason my institution held off from implementing with Apple at the beginning. WF is now onboard with Apply Pay because they do things slightly different with WF owned cards than everyone else. This last sentence is one made based on knowledge as of last March. If they're smart, they (Apple) is moving forward with the WF approach to everyone. It's very similar to the way the Visa transactions work with WF....no need to go to Samsung infrastructure for any of it.[icon] said:So you feel traditional infrastructure is more secure? Please elaborate.The Commish said:I understand exactly how it works. Our auth team helped them with a POC when this thing was starting. I don't need any part of my financial transaction going through Apple infrastructure, even if it's the hash portion only (which is essentially the "secure element" is in their description..
The jump from computer and iPod to a phone seems a a whole lot smaller than the jump from phone and toy watch to a car.Funny. Reminds me of 10 years ago when there was talk about an "Apple phone" and people were all sitting around saying "yeah, I just can't imagine that I'd be interested in an Apple phone. I mean, they make computers."I agree. I can't say I'm interested in an Apple Car.The car thing seems so dumb. I always assumed they weren't actually making an actual car but we're making the interface / interior displays for companies that make cars.
This Tim Cook guy is not creating anything. Maybe the Steve Jobs "genius" was hype but there is no arguing his run starting with the iPod.
To what? Outside of widgets what should they do?Honestly their phone user interface is far overdue for an overhaul. They've for all intents added nothing all that useful since about IOS5 and even that is arguable.
The entire icon dock and screen model seems so old fashioned. Great idea, time to move forward to something else.
iPhone hasn't been the "Cool new phone" for some time now....Or maybe they're lemmings and think an iPhone is the "cool" thing to have?Orrrr maybe they prefer the OS, and don't dork out about "specs" as long as the phone does what it needs to But I get that some dudes like to FAP to Ghz. Different strokes!At this point people are sticking with Apple because they are either loyal, used to the software, or have all their apps and settings on IOS. Better specs than Apple have always been available.[icon] said:So you feel traditional infrastructure is more secure? Please elaborate.The Commish said:I understand exactly how it works. Our auth team helped them with a POC when this thing was starting. I don't need any part of my financial transaction going through Apple infrastructure, even if it's the hash portion only (which is essentially the "secure element" is in their description..
I'm a former Android user and just recently switch to an iPhone over the summer. Honestly, both OSes are so close to each other now that there isn't really much the differentiates the 2 anymore. Widgets really is about the only thing and honestly, I didn't even use that many widgets on Android anyway.To what? Outside of widgets what should they do?Honestly their phone user interface is far overdue for an overhaul. They've for all intents added nothing all that useful since about IOS5 and even that is arguable.
The entire icon dock and screen model seems so old fashioned. Great idea, time to move forward to something else.
The home screen should be far more useful than a wall of icons. Whether you call that widgets or whatever it's pointless, but they really need to overhaul that system. There's literally no reason at all that there isn't a native screen for imessage, mail, and relevant info. Probably facebook, flipboard, etc. The notification drop down system was a half ### idea that they have stuck with for no apparent reason.To what? Outside of widgets what should they do?Honestly their phone user interface is far overdue for an overhaul. They've for all intents added nothing all that useful since about IOS5 and even that is arguable.
The entire icon dock and screen model seems so old fashioned. Great idea, time to move forward to something else.
Helpful thanks. I would say my time is spent evenly between email, Internet, text, and "other" so not sure what i would do there. The notification drop is a #### show, that is true.The home screen should be far more useful than a wall of icons. Whether you call that widgets or whatever it's pointless, but they really need to overhaul that system. There's literally no reason at all that there isn't a native screen for imessage, mail, and relevant info. Probably facebook, flipboard, etc. The notification drop down system was a half ### idea that they have stuck with for no apparent reason.To what? Outside of widgets what should they do?Honestly their phone user interface is far overdue for an overhaul. They've for all intents added nothing all that useful since about IOS5 and even that is arguable.
The entire icon dock and screen model seems so old fashioned. Great idea, time to move forward to something else.
It's just amazing that iphone users can't just swipe through their most useful native apps in 2016.
I mean what's the single first thing you see people do with a phone. Unlock, tap imessage, go. It's just an extra step that could be integrated into the UI so much more effectively. You need to find a way that isn't hardware based now to push migration, while UI is free having a more beefy hardware with a more beefy software package seems the best way to drive upgrades.
Oh, they have proven they can screw up a perfect UI and make it unusable.If they make this new UI on the iPhone anything like what they have done to iTunes I'll just keep my old fashion iPhone. TIA Apple.
It will. In due time.NutterButter said:So are you guys telling me you don't see Apple stock getting back into the 130's?
Isn't Android icon dock and screen as well? It's been a few months since I've played with my folks S5 (which was buggy as hell) but I seem to recall it being a similar setup.To what? Outside of widgets what should they do?Honestly their phone user interface is far overdue for an overhaul. They've for all intents added nothing all that useful since about IOS5 and even that is arguable.
The entire icon dock and screen model seems so old fashioned. Great idea, time to move forward to something else.
This is what could be concerning a bit, IMO. Now that most, if not all, the major carriers are doing away with 2-year contracts, I think people may hold onto their phones a little longer than the previously did. You'll still have your die hard tech geeks that will want the latest and greatest. But if most people are now paying $600+ for a phone, they may not want to get a new one every year or so. I could be way off, but wouldn't be surprised if that's what starts happening.The I-Phone is a staple and they will keep refreshing it. And people will keep buying it. They have not stopped yet.
Which is why they should try to improve on it. I have no idea what the IOS developers at Apple have done for the last 5 years but surf the web and check on their stock options.Isn't Android icon dock and screen as well? It's been a few months since I've played with my folks S5 (which was buggy as hell) but I seem to recall it being a similar setup.To what? Outside of widgets what should they do?Honestly their phone user interface is far overdue for an overhaul. They've for all intents added nothing all that useful since about IOS5 and even that is arguable.
The entire icon dock and screen model seems so old fashioned. Great idea, time to move forward to something else.
This. Battery tech is the next big thing in mobile, IMO. As a power-user, I wish Apple would focus a little less on making a razor thin phone, and give up a mm or two in exchange for significant boost in battery life.I'm a former Android user and just recently switch to an iPhone over the summer. Honestly, both OSes are so close to each other now that there isn't really much the differentiates the 2 anymore. Widgets really is about the only thing and honestly, I didn't even use that many widgets on Android anyway.To what? Outside of widgets what should they do?Honestly their phone user interface is far overdue for an overhaul. They've for all intents added nothing all that useful since about IOS5 and even that is arguable.
The entire icon dock and screen model seems so old fashioned. Great idea, time to move forward to something else.
Seems both OSes are kind of at a stalemate for now. I'm not sure what either could add at the moment to really put themselves in front of the other.
It really is all preference at this point. I switched to Apple because the majority of people I talk to on a regular basis have an iPhone. Android doesn't play nice with iMessage, so I wasn't getting texts from time to time.
Whoever finds a way to crank the most battery life into their phone, will be the big winner, IMO.
But major carriers are also doing the upgrade your I-Phone (every time a new one comes out eg: 6 to 7 7 to 8) for life deals.This is what could be concerning a bit, IMO. Now that most, if not all, the major carriers are doing away with 2-year contracts, I think people may hold onto their phones a little longer than the previously did. You'll still have your die hard tech geeks that will want the latest and greatest. But if most people are now paying $600+ for a phone, they may not want to get a new one every year or so. I could be way off, but wouldn't be surprised if that's what starts happening.The I-Phone is a staple and they will keep refreshing it. And people will keep buying it. They have not stopped yet.
Speaking as a designer, sometimes you just reach a point there the design is optimal for the function. For me, I have little desire for change for change's sake... there's not much I'd like improved/changed on the current interface.Which is why they should try to improve on it. I have no idea what the IOS developers at Apple have done for the last 5 years but surf the web and check on their stock options.Isn't Android icon dock and screen as well? It's been a few months since I've played with my folks S5 (which was buggy as hell) but I seem to recall it being a similar setup.To what? Outside of widgets what should they do?Honestly their phone user interface is far overdue for an overhaul. They've for all intents added nothing all that useful since about IOS5 and even that is arguable.
The entire icon dock and screen model seems so old fashioned. Great idea, time to move forward to something else.
That's why it's disappointing to hear they're trying to make the 7 even thinner. Do people want a super slim phone? I don't think there's a huge cry out for making the iPhone thinner. The 6 seems pretty slim to me. I don't have any issues with it. If adding a few mm meant having a battery that lasted 2x longer, then yeah, add the few mm.This. Battery tech is the next big thing in mobile, IMO. As a power-user, I wish Apple would focus a little less on making a razor thin phone, and give up a mm or two in exchange for significant boost in battery life.Whoever finds a way to crank the most battery life into their phone, will be the big winner, IMO.
Agreed. I love my I-Phone 6 I kept my 4S till the 6 came out (yeah I am a every 2 year cycle guy lol). I don't see a need to get a 7. I will wait till the 8 and see what the story is then.That's why it's disappointing to hear they're trying to make the 7 even thinner. Do people want a super slim phone? I don't think there's a huge cry out for making the iPhone thinner. The 6 seems pretty slim to me. I don't have any issues with it. If adding a few mm meant having a battery that lasted 2x longer, then yeah, add the few mm.This. Battery tech is the next big thing in mobile, IMO. As a power-user, I wish Apple would focus a little less on making a razor thin phone, and give up a mm or two in exchange for significant boost in battery life.Whoever finds a way to crank the most battery life into their phone, will be the big winner, IMO.
Seems pointless. Everybody uses cases anyway. More battery life would be great.That's why it's disappointing to hear they're trying to make the 7 even thinner. Do people want a super slim phone? I don't think there's a huge cry out for making the iPhone thinner. The 6 seems pretty slim to me. I don't have any issues with it. If adding a few mm meant having a battery that lasted 2x longer, then yeah, add the few mm.This. Battery tech is the next big thing in mobile, IMO. As a power-user, I wish Apple would focus a little less on making a razor thin phone, and give up a mm or two in exchange for significant boost in battery life.Whoever finds a way to crank the most battery life into their phone, will be the big winner, IMO.
Exactly! I see people with those big Otter Box cases on their phones. Most people aren't worried about the thickness of the phone or they wouldn't be putting big bulky cases on their phones.Seems pointless. Everybody uses cases anyway. More battery life would be great.That's why it's disappointing to hear they're trying to make the 7 even thinner. Do people want a super slim phone? I don't think there's a huge cry out for making the iPhone thinner. The 6 seems pretty slim to me. I don't have any issues with it. If adding a few mm meant having a battery that lasted 2x longer, then yeah, add the few mm.This. Battery tech is the next big thing in mobile, IMO. As a power-user, I wish Apple would focus a little less on making a razor thin phone, and give up a mm or two in exchange for significant boost in battery life.Whoever finds a way to crank the most battery life into their phone, will be the big winner, IMO.
I have a Nexus 6 and I'm hard-pressed to think of anything besides better battery life that I need out of a new phone.I'm a former Android user and just recently switch to an iPhone over the summer. Honestly, both OSes are so close to each other now that there isn't really much the differentiates the 2 anymore. Widgets really is about the only thing and honestly, I didn't even use that many widgets on Android anyway.To what? Outside of widgets what should they do?Honestly their phone user interface is far overdue for an overhaul. They've for all intents added nothing all that useful since about IOS5 and even that is arguable.
The entire icon dock and screen model seems so old fashioned. Great idea, time to move forward to something else.
Seems both OSes are kind of at a stalemate for now. I'm not sure what either could add at the moment to really put themselves in front of the other.
It really is all preference at this point. I switched to Apple because the majority of people I talk to on a regular basis have an iPhone. Android doesn't play nice with iMessage, so I wasn't getting texts from time to time.
Whoever finds a way to crank the most battery life into their phone, will be the big winner, IMO.
Right. I mean the cameras are all pretty solid on phones now. Screen resolution is pretty good across the board. All of them are pretty quick speed wise. Memory seems to be improving and getting bigger. The only thing left to improve hardware wise is battery tech.I have a Nexus 6 and I'm hard-pressed to think of anything besides better battery life that I need out of a new phone.I'm a former Android user and just recently switch to an iPhone over the summer. Honestly, both OSes are so close to each other now that there isn't really much the differentiates the 2 anymore. Widgets really is about the only thing and honestly, I didn't even use that many widgets on Android anyway.To what? Outside of widgets what should they do?Honestly their phone user interface is far overdue for an overhaul. They've for all intents added nothing all that useful since about IOS5 and even that is arguable.
The entire icon dock and screen model seems so old fashioned. Great idea, time to move forward to something else.
Seems both OSes are kind of at a stalemate for now. I'm not sure what either could add at the moment to really put themselves in front of the other.
It really is all preference at this point. I switched to Apple because the majority of people I talk to on a regular basis have an iPhone. Android doesn't play nice with iMessage, so I wasn't getting texts from time to time.
Whoever finds a way to crank the most battery life into their phone, will be the big winner, IMO.
"The reports put Bank of America as being convinced of growth that measures fully 200 fold in just seven years. Yes, by the time 2022 rolls around, the mobile payments growth will reach a combined total of around $3 trillion. That’s up from just $16 billion today, reports suggest, and with both opportunity and threat afoot, there will be opportunities and challenges aplenty."jonessed said:Probably, but when? I don't see wallets and purses going away anytime soon and it's not that hard to pull a CC out of a wallet.That's surprising. I still have a 5, which isn't enabled, and Apple Pay (and the better camera chip) is the only reason I wanted to upgrade to 6. Most people I know with 6 use it and love it. Whether Apple Pay succeeds or not, the days of physical credit cards are numbered.Apple pay might be their biggest mistake. Last stats I saw was only 5% of people with an apple pay enabled phone AT an apple pay enabled checkout terminal have used the service.
I think they really missed the timing on this not getting in when all the POS terminals were swapping to Chip and pin transaction cards. Now they don't want to add this other new tech.
That article makes it sound like they expect the growth to come at the expense of cash transactions, not necessarily physical cards. Physical cards aren't going away anytime soon."The reports put Bank of America as being convinced of growth that measures fully 200 fold in just seven years. Yes, by the time 2022 rolls around, the mobile payments growth will reach a combined total of around $3 trillion. That’s up from just $16 billion today, reports suggest, and with both opportunity and threat afoot, there will be opportunities and challenges aplenty."jonessed said:Probably, but when? I don't see wallets and purses going away anytime soon and it's not that hard to pull a CC out of a wallet.That's surprising. I still have a 5, which isn't enabled, and Apple Pay (and the better camera chip) is the only reason I wanted to upgrade to 6. Most people I know with 6 use it and love it. Whether Apple Pay succeeds or not, the days of physical credit cards are numbered.Apple pay might be their biggest mistake. Last stats I saw was only 5% of people with an apple pay enabled phone AT an apple pay enabled checkout terminal have used the service.
I think they really missed the timing on this not getting in when all the POS terminals were swapping to Chip and pin transaction cards. Now they don't want to add this other new tech.
http://paymentweek.com/2015-9-17-how-big-can-mobile-payments-get-bank-of-america-tells-all-8336/
Based on the latest earnings report, Cook said Apple Pay did well last year.
“Consumers have spent billions of dollars with Apple Pay. In the second half of 2015, we saw a significant acceleration in usage, with a growth rate 10 times higher than in the first half of the year,” Cook noted after touting Apple Pay’s international expansion."
Right now Apple has 34% of the mobile pay market.
The fact that it cannot be used without my thumbprint makes me feel very secure about it. So the fear of losing your phone is out the window.I was pretty excited about being able to use Apple Pay when I first got my 6. Haven't used it once in the almost 6 months I've had my phone. Looking at the list of places that even accept it, there's only like 10 or so of them around me and I'm not even sure if they have the right stuff to even use it. When we go shopping, it's usually to Giant or Target. Neither of those places currently support Apple Pay in their stores.
I agree with jonessed, people aren't going to suddenly stop carrying wallets/purses. Unless there's a way that I can have my driver's license stored in my phone, I'll always have my wallet with me, which means I'll have have a CC. It's not really any more time consuming to pull out your wallet and grab your CC than it would be for me to take my phone out of my pocket and launch Apple Pay.
Until more and more places start updating their checkouts to accept mobile payments, I just don't really see it catching on. Especially since people are skeptical of putting their CC info out there in the first place.
I agree that wallets aren't going anywhere soon, but I'd gladly reduce my wallet from the 1/2 inch brick stuffed with cards I rarely use to a nice thin one I can sit on without my right cheek going numb. I'm a believer that mobile pay is a disruptive technology that is only in the first inning, and if it plays out as projected, Apple Pay stands to benefit.I was pretty excited about being able to use Apple Pay when I first got my 6. Haven't used it once in the almost 6 months I've had my phone. Looking at the list of places that even accept it, there's only like 10 or so of them around me and I'm not even sure if they have the right stuff to even use it. When we go shopping, it's usually to Giant or Target. Neither of those places currently support Apple Pay in their stores.
I agree with jonessed, people aren't going to suddenly stop carrying wallets/purses. Unless there's a way that I can have my driver's license stored in my phone, I'll always have my wallet with me, which means I'll have have a CC. It's not really any more time consuming to pull out your wallet and grab your CC than it would be for me to take my phone out of my pocket and launch Apple Pay.
Until more and more places start updating their checkouts to accept mobile payments, I just don't really see it catching on. Especially since people are skeptical of putting their CC info out there in the first place.
Its secure for use. But I think people have a weird thing about storing their CC info online. I'm not saying me, but that just seems to be a general feeling.The fact that it cannot be used without my thumbprint makes me feel very secure about it. So the fear of losing your phone is out the window.I was pretty excited about being able to use Apple Pay when I first got my 6. Haven't used it once in the almost 6 months I've had my phone. Looking at the list of places that even accept it, there's only like 10 or so of them around me and I'm not even sure if they have the right stuff to even use it. When we go shopping, it's usually to Giant or Target. Neither of those places currently support Apple Pay in their stores.
I agree with jonessed, people aren't going to suddenly stop carrying wallets/purses. Unless there's a way that I can have my driver's license stored in my phone, I'll always have my wallet with me, which means I'll have have a CC. It's not really any more time consuming to pull out your wallet and grab your CC than it would be for me to take my phone out of my pocket and launch Apple Pay.
Until more and more places start updating their checkouts to accept mobile payments, I just don't really see it catching on. Especially since people are skeptical of putting their CC info out there in the first place.
I think many retailers will catch on soon enough and Apple-Pay is going to be a huge thing moving forward over the next 5-10 years.
Why would I use Apple Pay over a credit card that gives me rewards?I agree that wallets aren't going anywhere soon, but I'd gladly reduce my wallet from the 1/2 inch brick stuffed with cards I rarely use to a nice thin one I can sit on without my right cheek going numb. I'm a believer that mobile pay is a disruptive technology that is only in the first inning, and if it plays out as projected, Apple Pay stands to benefit.
Wouldn't you still get those rewards when using Apple Pay?Why would I use Apple Pay over a credit card that gives me rewards?I agree that wallets aren't going anywhere soon, but I'd gladly reduce my wallet from the 1/2 inch brick stuffed with cards I rarely use to a nice thin one I can sit on without my right cheek going numb. I'm a believer that mobile pay is a disruptive technology that is only in the first inning, and if it plays out as projected, Apple Pay stands to benefit.
Apple Pay uses those credit cards that give you rewards.Why would I use Apple Pay over a credit card that gives me rewards?I agree that wallets aren't going anywhere soon, but I'd gladly reduce my wallet from the 1/2 inch brick stuffed with cards I rarely use to a nice thin one I can sit on without my right cheek going numb. I'm a believer that mobile pay is a disruptive technology that is only in the first inning, and if it plays out as projected, Apple Pay stands to benefit.
It's odd that grown men who have preferences for one brand of product have such difficulty grasping the idea that some folks might simply have a preference for another brand of product.
This, too. I'm a current Android user who used to have an iphone and often have to do things for my wife and/or daughter on their iphones. There are little things different, but they're mostly just things you get used to being on one or the other.I'm a former Android user and just recently switch to an iPhone over the summer. Honestly, both OSes are so close to each other now that there isn't really much the differentiates the 2 anymore.