Apple Pay anyone?
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Personally I think that Apple Pay was the most important announcement this time around from Apple. A watch and a couple of new iPhones? Yawn. What Apple Pay does though is empower these new devices with one click purchase power and that is appealing even to me. If one thing should convince me to go Apple it would be something like that. It also sounds like privacy and security is taken care of elegantly. With Apple Pay suddenly the watch may become your one tap shop solution and that is very convenient. Very, very convenient indeed! I would assume PayPal and The Google Wallet folks are paying close attention because Apple Pay is stepping right into both services current turf and if they succeed it's not going to be fun for the old timers who dabble in credit card numbers and security codes like both Google and PayPal currently does. I'll be on the fence paying close attention to how this develops. I just said in another post that I do not want to purchase an Apple Watch, but maybe I'll get one if it turns out to be what I need to tap to get a Subway sandwich and look at it being able to keep time an added bonus.
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It also sounds like privacy and security is taken care of elegantly.
I believe that if none of the stuff got hacked in - let's say - 2 years.
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@QuHno Here's an article by Whitson Gordon: "Yes, You Should Be Using Apple Pay or Google Pay". The subtitle is "Paying with a smartphone is actually more secure and more efficient than using a credit card.", and he seems to make a good case for that.
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@Eggcorn Well... maybe it's a very US-centric article, as is usual with Wired. Personally though, and in my country, I would rather trust my bank and the BankAxept system than Google/Samsung or Apple to keep my purchase history safe. They will probably just slurp it up to serve more "personalised ads" based on my purchase history.
To start, credit cards have gotten annoyingly slow, thanks to the new chip-based readers. This new (old) tech is much slower than the old swipe-to-pay credit cards of yore, making plastic a bit more of a hassle.
Contactless payments really took of during the pandemic as it did "everywhere" else, and payments under 500,- (NOK) is super-fast, just take the card-holder out and hover over the terminal. I don't think I've ever seen anyone pay for groceries with a smartphone here.
Pull out your wallet, dig through to find the right card
Again, this obsession with using multiple credit cards must be a US thing. Here I think most people use their bank debit card linked to a payments account. Credit cards would be only used for specific larger purchases, and certainly not paying for groceries and petrol. I have only one debit card I use daily and another (also debit) as backup tied to another bank (but I keep that one at home).
Of course there's the usual fools who get multiple credit cards and rack up huge cc bills buying more stuff than they can pay back, but these people are certainly the exception.
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@Pathduck Not all cards are credit (or debit) cards! It's quite possible to only have one credit card, and yet still have to dig through your wallet to find it.
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@Eggcorn Yeah I guess my perspective is kind of skewed. I don't even have a wallet, just a small leather folder with my bank card, driver's license, public transport and donor card ... That's all I need in my daily life
I rarely carry cash anyway, if I do I keep it loose in my pockets - but it does really wear those bills (I never use) down
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@Pathduck I use both: A mini-wallet for the cards I use most often, and a traditional wallet for the rest.
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