Maybe users of an iPhone have a credit card that they can add. Many people in Eastern Europe and Russia do not have credit cards and the banking system is far behind modern western standards.
How is many of those 22m android phones are usd600+?
Not in Poland. Majority have credit cards. Android phones are way cheaper there as well. Huawei and LG phones kill Apple market. Nobody cares about some fancy credit card collections associated with smartphone. There are other ways to pay and you may not need smartphone that you could lose or have stolen when outside. I travel there as it is my origins while living in the USA. Those are the reasons. The rest is just speculations.
Why do you care "what's wrong with Android"? Just sit back and enjoy watching the fire as it burns to the ground as you've been expecting and predicting for a few years now.
Except to try and make iOS look better and possibly distracting from discussion of shortcomings, what else? Didn't Tim Cook somewhat recently voice his disappointment with the slow uptake of Apple Pay? I doubt he's happier about it because Google Pay has been slower. Just enjoy iOS because it fits so well. You don't need Android in order to make believe everything is A OK. At it's root there's something lacking in the design and/or benefits and usefulness of current mobile payment services. Consumers just aren't driven to use it, and much less demand it.
In any event a number of the most engaged Apple fans here have said over and over they're tired of hearing about Google and their assorted services, Android included. Apple and iOS is strong enough to stand on its own and does, no Android needed in order to make it so.
Tim Cook was talking about the speed of replacing cash. That would be a tall order. The Mainland Chinese are pretty successful here because their payment infrastructure was non-existing. Frauds and bribery were out of control.
A number of years ago, Android folks and other pundits mocked iPhone for the lack of NFC. It is interesting to see where Apple is now compared to the doom-and-gloom picture they painted.
Apple helped lay the tokenization infrastructure with the credit card companies. Designed the SecureEnclave chip. Incorporated NFC payment in iPhones, AppleWatch, web and native apps. They also signed up hundreds of US and foreign inssuer banks, while fending off the Australian banks.
Most of the retailers and eateries I visit these days support Apple Pay. It’s a relief when I left my wallet in the office a few times accidentally. Even during my overseas trips, I can consider Apple Pay for transit and shopping. My friends and I also use Apple Pay Cash whenever we settle our bills.
The effort is coherent and consistent throughout. Can’t wait to see what’s next.
Samsung and Google’s efforts are more chaotic. They had to lump different technologies, even those with weaker/older security, together under the same brand name. It is confusing to the users. They don’t really help to push towards a better payment infrastructure.
To your point, I think China is ahead on the whole electronic pay situation, reason I said this a business associate just got back from a trip in China and was traveling outside the cities and the person who was his in country host, stop at a road side vegetable stand and bought some snack for the drive and the person at the stand took electronic payment. They had one of those NFC readers attached to his phone. I still run into store and retailers in the US with POS terminal which show the NFC symbol but have not active the ability to take Apple Pay.
More likely QR code. Open bank app & show QR code. The merchant scan it. The money got withdrawn from that bank into the merchant account. Or you can do it reversely, scan the merchant bank QR code & transfer your money there yourself.
Notably absent from that list is Germany, the leading economic power of Europe and one of the E.U.'s most affluent countries. Users who have credit cards from a supported country can use these in Germany via Apple Pay...
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Back in 2015, we noted a similar situation for travelers when we successfully used Apple Pay with a U.S. credit card in Switzerland, shortly after Apple launched the service in the U.S. but before it extended official support to Europe.
Apple Pay also works with debit cards. Unless you are are paying the balance off in full each month (which many people do not do), purchasing things on credit (especially credit compounding at +20% per annum) is a really terrible idea.
Apple Pay also works with debit cards. Unless you are are paying the balance off in full each month (which many people do not do), purchasing things on credit (especially credit compounding at +20% per annum) is a really terrible idea.
Besides credit and debit cards, ApplePay also supports prepaid (aka stored value) card.
In particular, ApplePay now has built-in FeliCa (Using NFC-F) support. It is the tech behind Japan’s very popular Suica card. They are commonly used for transit payment (huge volume), and micropayment in retail.
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More likely QR code. Open bank app & show QR code. The merchant scan it. The money got withdrawn from that bank into the merchant account.
Or you can do it reversely, scan the merchant bank QR code & transfer your money there yourself.
I think it's GPay now.
Typical Google, when something fails, rename it.
In particular, ApplePay now has built-in FeliCa (Using NFC-F) support. It is the tech behind Japan’s very popular Suica card. They are commonly used for transit payment (huge volume), and micropayment in retail.