I don't mind the notion they want a system that can also handle their loyalty cards. But I question how safe my data is in their cloud. That gives me major pause so if I have to go to one of those shops I'll just use my card like before.
I'm certainly willing to accept that is a possibility and, frankly, would lo love to be proven wrong about the consumer's ability to make sweeping changes across dozens of companies so quickly.
Insofar as HD-DVD is concerned, I recall that it didn't really turn decisively in Blu-Ray's favor until Warner Bros. dropped HD-DVD, directly triggering New Line, retailers and Netflix (which rented movies by mail) to abandon the format too, ending the format wars. It wasn't because consumers had decisively chosen Blu-Ray over HD-DVD; in fact, consumer uncertainty about HD formats (and the negative impact it had on adoption of both HD formats) was cited by Warner as the reason they ended their stand against Blu-Ray. (Warner was one of the principal backers of HD-DVD). The consumers in this case didn't choose the winner of the format wars in as much as forcing the industry to come to consensus about the one HD disc format to rule them all.
“I REFUSE TO DO MY TAXES DIGITALLY THEREFORE I HAVE TO PRINT OUT ALL MY RECEIPTS.”
“THIS IS THE FAULT OF APPLE, ET. AL. NOT MY FAULT NO SIREE I SURE COULDN’T POSSIBLY STOP PRINTING OUT RECEIPTS BECAUSE IT CONFLICTS WITH MY ENVIRONMENTALISM NOPE”
The consumers in this case didn't choose the winner of the format wars in as much as forcing the industry to come to consensus about the one HD disc format to rule them all.
For once, porn wasn’t the deciding factor in a format war. However, I wonder if that’s why Flash still exists at all...
Originally Posted by ibeam
you are a jackass.
So no refutation, then. Can’t imagine you would’ve had one anyway, since that’s exactly what you said.
I'm certainly willing to accept that is a possibility and, frankly, would lo love to be proven wrong about the consumer's ability to make sweeping changes across dozens of companies so quickly.
In a way, they have more right because those users surely have been using Google Wallet for awhile. That said, I would guess the sound of their anger is louder than the actual number of Google Wallet users. By the end of the year I'm guessing there will be more consumers actively using ?Pay than using Google Wallet.
John Gruber believes that there may already be more consumers using ?Pay than Google Wallet or at least a lot more transactions occurred in the incredibly brief lifespan of ?Pay.
A brief timeline of NFC payments in the United States:
Google Wallet was initially released on 25 May 2011
?Pay was announced on 9 September 2014
Merchant Customer Exchange members Best Buy and Walmart declared that they wouldn't support ?Pay on 12 September 2014
?Pay was initially released on 20 October 2014
Merchant Customer Exchange members Best Buy, CVS/pharmacy, Rite Aid and Walmart reportedly disable NFC terminals on 24 September 2014
Clearly, one fruity group has far more power than anyone else in this situation and merchants are scared shi... less.
John Gruber believes that there may already be more consumers using ?Pay than Google Wallet or at least a lot more transactions occurred.
I am definitely taking a conservative stance with my timeline and wouldn't be surprised to see merchants or banks are already saying ?Pay usage is higher than Google Wallet usage in its first week.
In previous threads I've used the comparison of the iPhone being used to access websites, ad, and payments made via websites and apps analytics as a comparison of how I expect ?Pay to play out in relation to Google Wallet.
Never one to mince words, Bob Carr, chief executive of the big merchant acquirer Heartland Payment Systems Inc., predicts that demand for Apple Inc.’s new Apple Pay mobile-payment service will force the retailer-controlled Merchant Customer Exchange (MCX) to abandon a policy of requiring its members to accept only MCX’s CurrentC mobile wallet.
“MCX has this idea it’s us or nobody, you have to swear that you’re not going to use any other alternative-payment system,” Carr said Wednesday at the Mobile Payments Conference—Mobilizing Retail event in Skokie, Ill. “I don’t see how that survives. I think Apple Pay sort of kills that entire concept, because consumers will pay with what they want to pay, and with the device they want to pay. We learned that a long time ago.”
Emphasis is mine.
I agree with Gruber and even Bob Carr's view that it's over for MCX's CurrentC. It's already lost. Apple Pay isn't so much as the winner as NFC payment infrastructure is. Apple Pay just helped boost it over that adoption barrier on the consumer side. Draconian, anti-consumer moves like turning off NFC payment terminals are not going to reverse the adoption of NFC for payments. If the early Apple Pay partners are successful and find profit in accepting Apple Pay-compatible payment options, more retailers will follow, and MCX members will be the sad holdouts who picked Betamax, or HD-DVD, or Palm Pré.
I am definitely taking a conservative stance with my timeline and wouldn't be surprised to see merchants or banks are already saying ?Pay usage is higher than Google Wallet usage in its first week.
Admittedly, there may be a novelty effect occurring with ?Pay. ?Pay is; as Tim Cook described; easy, secure and private providing much more than a novel experience though.
In previous threads I've used the comparison of the iPhone being used to access websites, ad, and payments made via websites and apps analytics as a comparison of how I expect ?Pay to play out in relation to Google Wallet.
This seems like the most reasonable approach. What are the current web browsing usage statistics of iPhone to Android?
So no refutation, then. Can’t imagine you would’ve had one anyway, since that’s exactly what you said.
So last week you were thanking me for helping you with restoring your mail after your Yosemite upgrade yet now I am completely incoherent . What a fool you are.
Calling someone a troll doesn't make it so unless you know them personally.
Um, citation?
I thought "troll" was defined solely by types of conduct and intent in relation to the norms of a forum community. And on the Internet, does anyone know anyone "personally"?
If you look at the liability issues you can understand why many of the financial institutions do not want to deliver sensitive documents over the internet. As a business owner you are probably aware that you have to submit your federal tax payments via an electronic system now, however if you forget your password they will only send you a reset code to the address of record via USPS mail in 2-3 weeks.
We use perhaps the largest payroll processor in the world and they deliver our vouchers and checks by courier only.
Uh...I make it a point to not forget important information like passwords concerning taxes. If I screw up the easy things like this, I would be out of business because I couldn't take care of the more challenging aspects of being a business owner.
“I REFUSE TO DO MY TAXES DIGITALLY THEREFORE I HAVE TO PRINT OUT ALL MY RECEIPTS.”
“THIS IS THE FAULT OF APPLE, ET. AL. NOT MY FAULT NO SIREE I SURE COULDN’T POSSIBLY STOP PRINTING OUT RECEIPTS BECAUSE IT CONFLICTS WITH MY ENVIRONMENTALISM NOPE”
Uh... wh...
you are a jackass.
Please stop this nonsense. You're derailing the thread. (TS, it would be good if you could stop this too. Please).
Comments
Insofar as HD-DVD is concerned, I recall that it didn't really turn decisively in Blu-Ray's favor until Warner Bros. dropped HD-DVD, directly triggering New Line, retailers and Netflix (which rented movies by mail) to abandon the format too, ending the format wars. It wasn't because consumers had decisively chosen Blu-Ray over HD-DVD; in fact, consumer uncertainty about HD formats (and the negative impact it had on adoption of both HD formats) was cited by Warner as the reason they ended their stand against Blu-Ray. (Warner was one of the principal backers of HD-DVD). The consumers in this case didn't choose the winner of the format wars in as much as forcing the industry to come to consensus about the one HD disc format to rule them all.
Uh huh.
“I AM AN ENVIRONMENTALIST.”
“I REFUSE TO DO MY TAXES DIGITALLY THEREFORE I HAVE TO PRINT OUT ALL MY RECEIPTS.”
“THIS IS THE FAULT OF APPLE, ET. AL. NOT MY FAULT NO SIREE I SURE COULDN’T POSSIBLY STOP PRINTING OUT RECEIPTS BECAUSE IT CONFLICTS WITH MY ENVIRONMENTALISM NOPE”
Uh... wh...
you are a jackass.
For once, porn wasn’t the deciding factor in a format war. However, I wonder if that’s why Flash still exists at all...
So no refutation, then. Can’t imagine you would’ve had one anyway, since that’s exactly what you said.
John Gruber believes that there may already be more consumers using ?Pay than Google Wallet or at least a lot more transactions occurred in the incredibly brief lifespan of ?Pay.
A brief timeline of NFC payments in the United States:
Clearly, one fruity group has far more power than anyone else in this situation and merchants are scared shi... less.
So no refutation, then. Can’t imagine you would’ve had one anyway, since that’s exactly what you said.
everyone knows you. jackass it is.
Sounds like instead of trying to prevent inversion by law we should just lower the tax rate to prevent it by necessity.
I am definitely taking a conservative stance with my timeline and wouldn't be surprised to see merchants or banks are already saying ?Pay usage is higher than Google Wallet usage in its first week.
In previous threads I've used the comparison of the iPhone being used to access websites, ad, and payments made via websites and apps analytics as a comparison of how I expect ?Pay to play out in relation to Google Wallet.
I agree with Gruber and even Bob Carr's view that it's over for MCX's CurrentC. It's already lost. Apple Pay isn't so much as the winner as NFC payment infrastructure is. Apple Pay just helped boost it over that adoption barrier on the consumer side. Draconian, anti-consumer moves like turning off NFC payment terminals are not going to reverse the adoption of NFC for payments. If the early Apple Pay partners are successful and find profit in accepting Apple Pay-compatible payment options, more retailers will follow, and MCX members will be the sad holdouts who picked Betamax, or HD-DVD, or Palm Pré.
Admittedly, there may be a novelty effect occurring with ?Pay. ?Pay is; as Tim Cook described; easy, secure and private providing much more than a novel experience though.
This seems like the most reasonable approach. What are the current web browsing usage statistics of iPhone to Android?
So no refutation, then. Can’t imagine you would’ve had one anyway, since that’s exactly what you said.
So last week you were thanking me for helping you with restoring your mail after your Yosemite upgrade yet now I am completely incoherent . What a fool you are.
Um, citation?
I thought "troll" was defined solely by types of conduct and intent in relation to the norms of a forum community. And on the Internet, does anyone know anyone "personally"?
Hey, you’re the one with internal contradictions.
Hey, you’re the one with internal contradictions.
No you are a fool
Uh huh.
“I AM AN ENVIRONMENTALIST.”
“I REFUSE TO DO MY TAXES DIGITALLY THEREFORE I HAVE TO PRINT OUT ALL MY RECEIPTS.”
“THIS IS THE FAULT OF APPLE, ET. AL. NOT MY FAULT NO SIREE I SURE COULDN’T POSSIBLY STOP PRINTING OUT RECEIPTS BECAUSE IT CONFLICTS WITH MY ENVIRONMENTALISM NOPE”
Uh... wh...
you are a jackass.
Please stop this nonsense. You're derailing the thread. (TS, it would be good if you could stop this too. Please).
Sounds like instead of trying to prevent inversion by law we should just lower the tax rate to prevent it by necessity.
TS... please stick to the topic.
Take the political stuff elsewhere.
good luck with that payment system CVS....I'll take my business elsewhere.