Soli

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Soli
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  • Starbucks app ahead of Apple Pay in U.S. mobile payment user adoption

    djsherly said:
    I don’t understand how the merchant plays a part in whether Apple Pay is available at a location. 

    In this case Starbucks have their own app but I’m talking about in the general sense where credit cards are accepted as payment. 

    In Australia, the bank sets up its infrastructure to support Apple Pay and then any place that accepts tap and go is now Apple Pay compatible if your bank allows you to load up your card into Apple Pay.

    Tap and go has been available since years before Apple Pay ever arrived here. 

    How does the model differ in the US? 
    Structurally it's no different. All the pieces have to be in place. The only difference is only about half of our retail locations, according to Apple, support NFC-baed (aka "tap and go") payments at this point.

    More accept them than they realize because whomever they have their payment system through sent them an NFC-capable card reader when they sent them a new card reader a couple years back for chip cards, but in my area I always seem to be the only one that uses it and most of the time the person at the check out is shocked. Shocking, to me, are that there are too many young people that don't seem to know the tech exists, and to a lesser extent think it's only on phones, not Watches.

    Then you have some places with old readers that don't support NFC-based payments, major changes with full on WinCE-baed registers with the card swipe built into the register which they're not ready to update, boutique shops using Square or some other terminal that uses and iPad that was built before they included an option for chip cards and/or NFC-baed payments, and, finally, places like CVS, Home Depot, and Walmart which may have supported NFC-based payments years ago but killed access as soon as Apple Pay launched.

    This was always going to be a slow burn to get people to adopt, but every year more retailers (more ATMs), more users, and more countries and their financial institution are coming online. People that expected it to be like flipping a light switch aren't being realistic.
    djsherly
  • Starbucks app ahead of Apple Pay in U.S. mobile payment user adoption

    sfolax said:
    Soli said:
    sfolax said:
    Got to love how people think Apple Pay is something Apple did.

    https://usa.visa.com/partner-with-us/payment-technology/visa-token-service.html
    It's just Visa and Mastercard tokenization that has been branded, same as Google/Android Pay.
    That's not accurate at all. Apple Pay employs both a token and cryptogram.
    Cryptogram is the same as the 3DSecure message that you get asked to type in online, except this one gets generated from the secure enclave for you.
    Like I said, Apple Pay is the credit card tokenization system.

    https://developer.apple.com/library/content/documentation/PassKit/Reference/PaymentTokenJSON/PaymentTokenJSON.html#//apple_ref/doc/uid/TP40014929
    You said both "it's just Visa and Mastercard tokenization" and that it's nothing more than a rebranding. There's a reason why Apple don't have payments go through their system and why it took so long for others (who want to track you) to get on board. If you can't see what Apple did in SW and HW to make it more safe for everyone then you're just not trying.

    https://bankinnovation.net/2014/09/heres-how-the-security-behind-apple-pay-will-really-work/
    nunzy
  • Starbucks app ahead of Apple Pay in U.S. mobile payment user adoption

    sfolax said:
    Got to love how people think Apple Pay is something Apple did.

    https://usa.visa.com/partner-with-us/payment-technology/visa-token-service.html
    It's just Visa and Mastercard tokenization that has been branded, same as Google/Android Pay.
    That's not accurate at all. Apple Pay employs both a token and cryptogram.
    nunzy
  • Starbucks app ahead of Apple Pay in U.S. mobile payment user adoption

    cmf said:
    Soli said:
    1) Not surprising at this time. If you use Apple Pay and you go to Starbucks you're probably using the app to both pre-order and to reload your card on the app via Apple Pay. Those points add up.

    2) I doubt their growth is sustainable, but *Pay adoption will continue to grow as vendors accept Apple Pay (or vendors realize they've been able to accept Apple Pay ever since the got a chip card reader).
    Regarding #1, Apple Pay has had the ability to deal with loyalty cards for some time now, so the question deserves to be asked. Is the attachment to the rewards system keeping Starbucks from integrating more directly with the system? Starbucks cards can already be loaded, so I wonder if they just would prefer people spend time in their app, not just use it when paying for things.

    A single source for all cards (Wallet's intended purpose from Day 1 seems like a win to me. Merchants give up some control, but it isn't immediately obvious that there is something they can't do because it's outside their app.

    Confused.
    A loyalty card in Wallet will not allow you to setup orders and make a purchase that you can puck up 2-8 minutes later simply by walking into the store and looking for your name. This feature allows for orders to be less likely misunderstood, gets you to the front of the line (even ahead of the person at the register ordering), and saves you precious time on a given day. What's so confusing about that?
    cmfnunzy
  • Starbucks app ahead of Apple Pay in U.S. mobile payment user adoption

    One merchant, selling one type of product, should not be beating ApplePay in use.
    They have a store on every block with a huge number of repeat customers all making small payments and wanting to get rewards for a purchase. While I use Apple Pay to reload my Starbucks card, that's just one use for a reload compared to about 10-12 uses with their rewards card until I need to reload again.

    I can currently shop in a day with only using Apple Pay, and that is only going to be a handlful of times. If you added up the dollar values, not the number of transactions, my Apple Pay usage is considerably higher than with Starbuck, but sure, go ahead and say it's a completely failure.
    nunzy