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Apple iPhone 6: Mobile Payments Pioneer?
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anon5361141033
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anon5361141033,
User Rank: Apprentice
8/30/2014 | 9:15:57 AM
misinformed!!
Blackberry and android have had nfc in their phones for the last three years and we have been making payments in Canada with nfc for the last year and a half. Eric needs to gather all the information before writing a one sided article like this.

Apple is behind and old news, blackberry and android is the future. 
mrsinisterlefty
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mrsinisterlefty,
User Rank: Apprentice
8/30/2014 | 11:38:53 AM
Re: misinformed!!
Same old same old. Apple comes to the party late and the Tech press hails them as geniuses.
hiram01
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hiram01,
User Rank: Apprentice
8/30/2014 | 4:56:14 PM
Re: misinformed!!
That's because the party is dull and boring until Apple arrives! If Apple doesn't come to your party, it's a flop.
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 2:24:29 PM
Re: misinformed!!
@hiram01 – I am waiting for apple to enter the market with NFC and some good uses of NFC and add some spice to the market. 
SteffenJobbs
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SteffenJobbs,
User Rank: Apprentice
8/31/2014 | 6:06:43 AM
Re: misinformed!!
If Apple gets mobile payments to drastically increase using the iPhone 6 and NFC then they are geniuses.  They keep saying that Android has had NFC for years and I agree.  So why the hell doesn't Google take advantage of all that market share and clout and get mobile payments going?  Apple is going to take advantage of those 800 million iTunes accounts/credit cards and set the mobile industry on fire with NFC.  It will prove that Google and Android aren't capable of doing anything worthwhile despite all those high market share numbers.  Apple and iOS will be considered the geniuses and Google and Android will be numbskulls.
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 2:39:11 PM
Re: misinformed!!
@SteffenJobbs- Yes I cannot understand why Google is keeping quiet and not getting ready to face the challenge of losing their customer / market share. 
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 2:20:49 PM
Re: misinformed!!
@mrsinisterlefty – yes apple is late for the party, I was under the impression that they are researching own their own NFC method. 
Bobbydig
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Bobbydig,
User Rank: Apprentice
8/30/2014 | 1:53:11 PM
Re: misinformed!!
It's funny that Blackberry and Android introduces features that no one uses. Same had with USB, until Apple entered the game. It's not about being first, its coming to the market at the right time. Sorry folks, this is where Apple is a genius and where as the rest fail. 
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 2:22:36 PM
Re: misinformed!!
@Bobbydig – yes NFC has been in existence for a while but most of us didn't use it properly. Do you think we would really have payments set up via NFC very soon? 
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 2:18:07 PM
Re: misinformed!!
@anon5361141033 – yes Blackberry came up with NFC in 2011, I am wondering why apple takes so long to come up with a technology that already has been in existence. 
StubbornOx
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StubbornOx,
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8/30/2014 | 2:57:11 PM
Fanbois
American's sure are excited about the prospects of Apple and NFC.  The rest of the world yawns as it's been around for years on other phones.

Of course the same people excited about this probably think Apple invented the mouse and the tablet PC.

Enjoy your Galaxy S4 Fanboi's.
PedroGonzales
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PedroGonzales,
User Rank: Ninja
8/30/2014 | 10:02:44 PM
Re: Fanbois
there may be a usability issue with electronic payments in the U.S.  I read articles that in many developing countries they already have electronic payments available.  The problem will be that if apple electronic payments take off, it will fragment the market because it would leave android users outside its system.  Unless, other companies collaborate with apple.  I think it will be difficult to become dominant payment system   
stotheco
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stotheco,
User Rank: Ninja
8/31/2014 | 6:27:11 AM
Re: Fanbois
Apple would benefit to open its doors for a chance, but I don't honestly see that happening soon, given the culture with which they operate. Many countries, first to third world, are adopting to mobile payments, so definitely expect to see abd hear more about it soon.
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 2:25:50 PM
Re: Fanbois
@PedroGonzales – Do you think other companies would happily tie up with Apple to implement NFC payments? If they don't will apple be successful with NFC payments. 
Rocwurst01
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Rocwurst01,
User Rank: Apprentice
8/31/2014 | 3:37:13 AM
Re: Fanbois
And yet NFC and mobile payments have been a failure in the rest of the world with Google Wallet only managing to garner a dismal 50-100,000 users.  Even PayPal only has 123 million users, Amazon 243 million, eBay 112 million.

Apple's worldwide userbase of 800 million active credit card enabled iTunes/App Store users utterly dwarfs these other solutions in terms of take-up.
stotheco
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stotheco,
User Rank: Ninja
8/31/2014 | 10:32:24 AM
Re: Fanbois
Apple's integration of iTunes with their devices can be credited much of their success. It will be interesting to see what these other providers will do in order to stay competitive.
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 3:27:43 PM
Re: Fanbois
@ stotheco – I am sure other manufacturers and Google would look at all possible options to come up with a better payment mechanism. 
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 2:29:50 PM
Re: Fanbois
@ Rocwurst01 – Paypal has been trusted payment partners for years, most of us have confidence in making a payment with PayPal as we know we are protected. Do customers feel the same with Google Wallet? 
jgherbert
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jgherbert,
User Rank: Ninja
8/31/2014 | 3:15:54 PM
Re: Fanbois
@shakeeb:"most of us have confidence in making a payment with PayPal as we know we are protected"

Speak for yourself! :-) I've had a number of issues with PayPal in the past, and some of the stories I've read about how they've treated some people's money (including basically holding it hostage through ridiculous procedures to get it back) don't engender trust on my part.
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 3:36:30 PM
Re: Fanbois
@jgherbert – Ohh I am sorry to hear you had bad experience with Paypal. Currently I do all my Ebay transactions with PayPal and everything works smooth for me (maybe I haven't seen the bad side of it yet) 
WaqasAltaf
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WaqasAltaf,
User Rank: Ninja
8/31/2014 | 4:24:04 AM
Re: Fanbois
Fanbois, you do make a point about regional share of Apple and not global one. That being said, may be Apple's iphone 6 can use this feature to get back its global glory. But I just can't buy it at the price at which Apple offers usually.
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 2:36:08 PM
Re: Fanbois
@WaqasAltaf – I am sure Apple will eventually reduce the price of the product to grab the market. They might even offer a trade in discount. 
WaqasAltaf
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WaqasAltaf,
User Rank: Ninja
8/31/2014 | 3:07:09 PM
Re: Fanbois
Shakeeb, I don't see that happening. Apple has chosen a course i.e. to target high spending customers and they don't see a need to reduce prices esp. of new products in order to grab a larger market share.
jgherbert
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jgherbert,
User Rank: Ninja
8/31/2014 | 12:16:01 AM
Wait, What?
I keep hearing that if there's NFC (and mobile payments) in the iPhone 6, this will signal the start of the mobile payment revolution. It's funny though, Android is by all accounts the biggest selling mobile OS and sells the most handset units, and so forth. Many Windows Phones also support NFC. Despite that, mobile payments haven't made it big yet. Is it really just because Apple hasn't caught up yet? I don't see quite how that works.
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 2:27:44 PM
Re: Wait, What?
@jgherbert – yes majority use android devices and I am wondering how Apple is planning to fix this. I am not sure if a user would switch to apple for NFC payments, if so will android keep quiet. 
jgherbert
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jgherbert,
User Rank: Ninja
8/31/2014 | 3:18:21 PM
Re: Wait, What?
@shakeeb> "yes majority use android devices and I am wondering how Apple is planning to fix this"

 

I don't imagine they would plan to do anything. The situation right now is that NFC is supported by Android on a number of platforms, and also Windows Phone, yet it hasn't taken off. If few people are moving to Android/Windows to get NFC, I also don't see much change in the other direction - it's not (yet) a "must-have" feature. However, if it becomes ubiquitous by way of Apple supporting it as well, then it may become a more common option for mobile payments.
pcharles09
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pcharles09,
User Rank: Moderator
8/31/2014 | 10:59:55 PM
Re: Wait, What?
@jgherbert,

If anyone's going to open the door for the big time action, it'll be Apple. No better way to make people think they need something they don't... let Apple introduce it as ground-breaking.
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 11:27:38 PM
Re: Wait, What?
@pcharles09 – Do you think Apple would be successful this time? It's not an easy challenge to get users onboard. 
pcharles09
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pcharles09,
User Rank: Moderator
9/22/2014 | 9:53:49 PM
Re: Wait, What?
@shakeeb,

I'd say at least give them the benefit of the doubt.
jgherbert
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jgherbert,
User Rank: Ninja
8/31/2014 | 11:55:18 PM
Re: Wait, What?
@pcharles09> Well I'll say this - NFC in addition to the iPhone fingerprint sensor could be a powerful combination for secure payments...
pcharles09
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pcharles09,
User Rank: Moderator
9/22/2014 | 9:55:02 PM
Re: Wait, What?
@jgherbert,

Guess you were right. Since iWallet was one of the only "NEW" features of the 6.
nzgeek
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nzgeek,
User Rank: Apprentice
9/1/2014 | 9:49:20 PM
Re: Wait, What?
You've hit the nail on the head. The lack of traction with mobile NFC payments has pretty much nothing to do with who makes the mobile device or its OS.

The big issue here is payment processor support. When you want to make an electronic payment, the payment processor needs to know how to handle the payment. This isn't a problem when you're just adding NFC payment support for an existing payment network. But for things like Google Wallet, that's a completely separate payment network that the provider needs to integrate with. These integrations aren't trivial matters, so the payment provider needs to know that it's going to make back its investment. However, until there are enough payment providers (and therefore enough retailers) using the network, nobody will bother using that payment method.

In other words, there's a bit of a catch-22. You need payment network support before people can pay using a new method, but payment provider support probably won't come until enough people are using the new payment method. This, more than anything else, is why Google Wallet hasn't really caught on.

The only way that Apple are going to make any headway here is if they manage to partner with an established, major payment network. We're talking the likes of Visa, Mastercard, Amex, etc - networks that most payment providers are already working with. If a retailer had the right equipment to be able to take NFC-based payments, they should (in theory) be able to instantly take iPhone NFC payments.

If Apple are going down this path, the question will be who they partner with. I have a lot of doubt around Visa and Mastercard, as they're more likely to want to build their own solution that ties in closer with their existing payWave and PayPass offerings. My guesses would be American Express or Diner's Club, as they're fairly widely accepted, and could use the Apple partnership to help expand their reach.
WaqasAltaf
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WaqasAltaf,
User Rank: Ninja
8/31/2014 | 4:21:40 AM
Apple's already destroyed market share
Eric, due to already established market of online payments as a result of itunes, I agree that mobile payments will also gel in good with Apple's service. The matter of concern is that Samsung and other brands have already taken many Apple's loyal customer to their smartphones so even if iPhone 6 offers this there will not be a large user base to adopt this payment mode. And the price factor will deter more customers because one thing is inevitable; Apple cannot charge a low price.
stotheco
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stotheco,
User Rank: Ninja
8/31/2014 | 10:33:39 AM
Re: Apple's already destroyed market share
You have a good point, although it's interesting to note that confidence in app stores aside from Apple is not exactly high. For example, since Android doesn't screen apps in the app store, there have been many that are reported to be either fake, misleading, or downright malware.
WaqasAltaf
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WaqasAltaf,
User Rank: Ninja
8/31/2014 | 10:45:57 AM
Re: Apple's already destroyed market share
Stotheco, yes I agree that Apple has this positive compared to Android and when it comes to payments, security becomes a critical factors. We can also say that if Android wants to attract users interested in mobile payments, then it must take some harsh decisions regarding screening of apps based on its strength to fight viruses and malware.
tzubair
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tzubair,
User Rank: Ninja
8/31/2014 | 11:22:58 AM
Re: Apple's already destroyed market share
"For example, since Android doesn't screen apps in the app store, there have been many that are reported to be either fake, misleading, or downright malware."

@sotheco: Unfortunately that is a downside of having an open market place where everyone can be a developer and put their apps up. If they start screening it may compromise on the freedom that people have and appreciate.
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 3:33:47 PM
Re: Apple's already destroyed market share
@tzubair- Do you mean to say that Google will lose a lot of customers / users if they screen the apps.
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 3:30:06 PM
Re: Apple's already destroyed market share
@ stotheco – This is one major problem for most of the users, if you're looking for an app you need to install and read reviews of at least a handful of apps before you could find the one that meets your requirement.  
Rocwurst01
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Rocwurst01,
User Rank: Apprentice
8/31/2014 | 10:45:37 AM
Re: Apple's already destroyed market share
"Apple's already destroyed market share .... The matter of concern is that Samsung and other brands have already taken many Apple's loyal customer to their smartphones"

Er, no.  Apple now has around 700 million active iOS devices only 30% less than the 1 Billion active Android users that Google reported recently.  Apple sold 238 million iOS devices last year and is on track to sell well over a quarter of a Billion iOS devices this year.

That is vastly more than the 50,000-100,000 Google Wallet users out there and is larger than the user-bases of Amazon, Paypal, NetFlix, Pandora, Zynga, Spoitfiy and eBay put together.

Apple's active userbase is more than enough to support a mobile payments system for their users.  Apple isn't targeting the whole world - their own platform which will shortly hit 1 billion, was large enough years ago.
WaqasAltaf
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WaqasAltaf,
User Rank: Ninja
8/31/2014 | 11:07:17 AM
Re: Apple's already destroyed market share
Rocwurst01, I meant comparatively from the past few years when Apple was almost the sole king of the smartphone industry, now it has lost a considerable market share. Getting it back will be difficult. Let's see if mobile payments become that reason which I don't think will become. We can't deny that Apple has a loyal customer base; just that it is contracting.
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 3:32:40 PM
Re: Apple's already destroyed market share
@Rocwurst01 – yes Apple has lost a considerable amount of market share with android coming to the picture, but we see Apple trying hard to correct this. 
WaqasAltaf
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WaqasAltaf,
User Rank: Ninja
9/21/2014 | 2:01:23 AM
Re: Apple's already destroyed market share
Shakeeb, how do you foresee Apple's marketshare in the smartphone industry in a five year term ? Declining or growing ?
Rocwurst
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Rocwurst,
User Rank: Apprentice
9/3/2014 | 6:01:30 PM
Re: Apple's already destroyed market share
"when Apple was almost the sole king of the smartphone industry, now it has lost a considerable market share"

Apple has never been the "sole king" of the smartphone industry in terms of marketshare. On the contrary Apple has only ever had a maximum of around 21% share of the smartphone market according to IDC with Nokia and then Android ever being able to claim that title.

However, Apple's iOS sales have increased every year since launch, growing from 62 million in 2010, to 140 million in 2011, to 206 million in 2012, to 238 million in 2013.  This year Apple is on track to sell over quarter of a Billion iOS devices.

Apple's loyal customer base is not contracting, it is growing and will soon hit 1 Billion devices sold.  In fact in terms of active users, Apple now has around 700 million active iOS users, only 30% less than Google's 1 Billion active Android users.
WaqasAltaf
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WaqasAltaf,
User Rank: Ninja
9/13/2014 | 6:21:14 AM
Re: Apple's already destroyed market share
Rocwurst, when I said sole king, I was referring to the time when smartphone was a new concept and Apple had almost no competitor. It was later when Android and Windows phone entered and gave tough time to Apple.

"Apple's loyal customer base is not contracting, it is growing "

I agree that it is growing in numbers but the % of market share is decreasing. 
Rocwurst
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Rocwurst,
User Rank: Apprentice
9/13/2014 | 10:53:02 AM
Re: Apple's already destroyed market share
"market share is decreasing."

That doesn't matter with the iOS installed base rapidly approaching 1 billion at a rate of quarter of a billion devices sold per year and iOS continuing to bring in far more revenue for developers, content providers, e-commerce vendors and advertisers.

60% of Android devices are sub-$200 glorified feature phones that contribute little to the Android platform so are irrelevant to the discussion.

"...Windows phone entered and gave tough time to Apple"

Sorry but that hasn't happened. Not only did Windows phone not grow share last quarter for example, they actually lost unit sales dropping to 7.4 million devices sold, down from 8.2 million a year ago according to IDC (compared to Apple selling 43.7 million iPhones, 16.3 million iPads and around 2 million iPod touches for a grand total of 62 million iOS devices).
WaqasAltaf
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WaqasAltaf,
User Rank: Ninja
9/15/2014 | 9:05:53 AM
Re: Apple's already destroyed market share
Rowcurst

Regarding your first point, in 3Q2013 Apple's market share was 12.1% (2% decrease YoY) of the revenue while for Samsung alone it was 32.1%, let be the other Android phones.

Regarding your second point, I was talking about Android and Windows combined against iOS and not Windows and Apple comparison in isolation. There is no about Apple being stronger than Windows' phones.
Rocwurst
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Rocwurst,
User Rank: Apprentice
9/15/2014 | 10:33:41 AM
Re: Apple's already destroyed market share
"in 3Q2013 Apple's market share was 12.1% (2% decrease YoY) of the revenue"

You're confusing unit sales marketshare with revenue.  They are not the same considering that 60% of Android devcies are worth below $200 vs the vast majority of iPhones cost greater than $600.  

As a result, it is not surprising that Apple captured 85% of the profits of the entire mobile phone industry last year, up from 72% the year before.

Considering the iOS platfrom is so large (closing on 1 billion devices) and growing at such a large rate (quarter of a billion per year) and making the lion's share of manufacturer and third party ecosystem revenue and profits, why would Apple want to change their policy of only targeting the premium high-end market just to gain "market share"?
tzubair
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tzubair,
User Rank: Ninja
8/31/2014 | 11:20:49 AM
Re: Apple's already destroyed market share
 

"Apple's active userbase is more than enough to support a mobile payments system for their users.  Apple isn't targeting the whole world - their own platform which will shortly hit 1 billion, was large enough years ago."

 

@rocwurst01: I agree with you. Apple has a huge user base to support the mobile payment system. I think it's a good move to start with that. Later on they can look for cross-platform support and try to integrate with the android platform. For now, I think it's a good start.
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 2:33:17 PM
Re: Apple's already destroyed market share
@WaqasAltaf – Having too many ways of making a payment is also not a good sign of development. There should be one good mechanism accepted across the globe to make it more convenient. 
WaqasAltaf
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WaqasAltaf,
User Rank: Ninja
8/31/2014 | 3:03:38 PM
Re: Apple's already destroyed market share
Shakeeb, I think industry will find a solution for standardization of payment methods. Else the users and sellers both will have to face management issues. Transaction management issues for sellers can be significant as they will have to different processes for both Apple customers and Android customers for instance.
SteffenJobbs
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SteffenJobbs,
User Rank: Apprentice
8/31/2014 | 6:14:15 AM
Rapid deplyment of NFC by Apple
If Google and Android haven't done anything to dominate mobile payments over all these years of boasting about having NFC and Apple comes along and blows them out of the water, Google and Eric Schmidt are going to look pretty stupid for blowing a world-class opportunity.  Apple is going to end up having more mobile payment users in six months than Google and Android could manage in six years.  Google is wasting too much energy on useless projects like Google Glass and Google barges.  Android has too many users still stuck using Gingerbread the Dinosaur.
tzubair
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tzubair,
User Rank: Ninja
8/31/2014 | 11:26:33 AM
Re: Rapid deplyment of NFC by Apple
"Google is wasting too much energy on useless projects like Google Glass and Google barges.  Android has too many users still stuck using Gingerbread the Dinosaur."

@steffenjobbs: I don't think that's entirely useless of them to do so. Google has been known for experimentation and that experimentation leads to innovation and new products. If you curb that, they may stop growing as a company. For every successful product, there are several failed projects and that's a norm everywhere.
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 2:40:51 PM
Re: Rapid deplyment of NFC by Apple
@SteffenJobbs- I have to agree with you that Google is just wasting resources and money on unnecessary projects. Google glasses is one classic example, too expensive and not worth the investment.  
WaqasAltaf
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WaqasAltaf,
User Rank: Ninja
8/31/2014 | 3:20:13 PM
Re: Rapid deplyment of NFC by Apple
Shakeeb, today Google Glass may seem a wasted investment but it may become a game-changer some day. It is just that today people see it as a luxury item; tomorrrow it may become the trend and the way of communicating and interacting with the technology. 
ToniS383
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ToniS383,
User Rank: Apprentice
8/31/2014 | 9:08:18 AM
Pioneer???
I currently do mobile payments with TD Bank and my Blackberry.  How does apple claim to be a pioneer?
shakeeb
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shakeeb,
User Rank: Black Belt
8/31/2014 | 2:43:12 PM
Re: Pioneer???
@ToniS383 – Apple's mobile payment would be accepted by majority thereby creating it one of the most acceptable payments across globe. Eventually the other small mobile payment apps and services would shut down. 
jeramyeggs
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jeramyeggs,
User Rank: Apprentice
8/31/2014 | 12:56:07 PM
Nfc usage
I have no stats to back it up, but mobile payments is huge in Asia. They have been doing it for a decade. If we only look at the U.S. then it is possible. We do live in a global economy though, right? I love how Apple gets hyped right before a launch. The question is are you getting an iPhone 6 for this yellow journalism?
jeramyeggs
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jeramyeggs,
User Rank: Apprentice
8/31/2014 | 12:56:10 PM
Nfc usage
I have no stats to back it up, but mobile payments is huge in Asia. They have been doing it for a decade. If we only look at the U.S. then it is possible. We do live in a global economy though, right? I love how Apple gets hyped right before a launch. The question is are you getting an iPhone 6 for this yellow journalism?
mak63
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mak63,
User Rank: Ninja
8/31/2014 | 11:56:30 PM
question
There's no denying that NFC and mobile payments are certainly a great feature. I was wondering, how many will switch to an iPhone 6 just because of it?

Perhaps it's a good idea to make a poll for it.
BillB031
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BillB031,
User Rank: Strategist
9/1/2014 | 8:01:16 AM
Re: question
@mak63.... Probably not many, being this is nothing new, and android phones have had NFC for quite some time.  (Google wallet works great)... Adoption has been slow, since it is poorly understood by the general public.

Maybe Apple can mass market it successfully.  Google hasn't marketed it period.
RobertA768
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RobertA768,
User Rank: Apprentice
9/1/2014 | 3:01:57 AM
Umm
I don't really understand how this is revolutionary marketing for the iPhone 6, I never had a hard time using PayPal on my phone up until now, just makes me think Apple users are the most brain dead consumers out there that will buy anything just because it has an apple on it. I can see this being a bad thing, your phone gets stolen, hacked and then all your money is gone, I like the old methods because they haven't failed me yet, with how easily mobile technology can be manipulated, I would stay away from this one, look at the BitCoin thefts, same thing, except with your real money.
Li Tan
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Li Tan,
User Rank: Ninja
9/1/2014 | 10:37:51 AM
Re: Umm
Mobile payment is not someting new. I have installed Alipay App on my mobile phone for quite long time and it's very convenient. But I share the same concern with you as well. That's why I will never put big amount of money in my Alipay account.
melgross
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melgross,
User Rank: Ninja
9/1/2014 | 11:23:41 AM
Re: Umm
If this works the way Apple has been running iTunes, then you won't have to put any money into it. Allpay, and other systems like it, are temporary, short term solutions. Once a reall mobile payment system is in place, and succeeds, they will disappear from the general market. This could be the one, being backed by all three major credit card companies.
SchwarzV703
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SchwarzV703,
User Rank: Apprentice
9/22/2014 | 6:52:25 PM
iPhone 6
I bouth already an iPhone 6 and i must admint that is working perfect , no problems , moving smoothly , and the price is quite acceptable on www. mobiles-world .com/ . Delivery arrived in 5 days , it took some time but i must say BIG THANKS to their team who always helped me with any questions i had about my order ! 
melgross
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melgross,
User Rank: Ninja
9/1/2014 | 11:19:50 AM
Re: Umm
Perhaps if you put some thought into this rather that trying to be a platform for your anti Apple bias, you would understand it. Apple has the most experience with micro payments, something that been plaguing the payments industry. They have over 800 million credit cards used with iTunes, which includes the AppStore and their retail ARM. Amazon has less than 200 million, and no credit card company has as many.All three major credit card companies have signed on. PayPal has attempted to have Apple use them. Apple users buy more products through their phones and tablets than anyone using rival systems. Apple will sell over 200 million phones during 2015, and substantially more than that during 2016. Unlike with Android, all of those will have this system available. Retailers have been reluctant to spend thousands for NFC terminals, but are expected to do so once Apple has a system in place. If it's possible, for the first time, one may be able to use their phone for payment for transportation systems using NFC. There are a lot of reasons why this could be successful. And you would see that if you opened your eyes to reality, rather than just kept them squeezed shut, hoping Apple will fail, and your favorite company will succeed.


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