21 minutes ago, spivonious wrote
NFC payments...haven't we heard this before? Google Wallet, Wallet for Windows Phone 8...neither has seen any market penetration. Let's get chip-and-pin credit cards in the U.S. first.
IMO, mobile payments won't take off until it's easier to use your smart phone or watch over a credit card. I've tried a variety of mobile payment solutions and they all fail in my book because it takes too much effort relative to using a credit card:
- Unlock screen
- Start payment app
- Wait for the network
- Link up the NFC again and again (or alternative identification equally as slow)
- Press pay
And that workflow assumes the person behind the counter knows how these types of payments work (Square -- I'm looking at you.) Just having a sign in front of the register stating you accept a certain payment type doesn't mean your staff is capable of taking such payments:
Me: Where is the NFC reader?
Clerk: NFC wha?
Me: The place I put my smartphone to pay the bill.
Clerk: You can do that?
I've had the same experience with Square -- having to explain to the clerk how it works and help them with the screens. It brings back bad memories of being in Best Buy when Windows 8 just came out. :)
I really hope with Apple's popularity they can drive adoption but I fear it will be locked in their ecosystem.
And my dearest Verizon: thanks for f'ing up Google Wallet. I hope ISIS (the movement) catches up with your ISIS payment system someday soon and plunders it. Disclaimer: I do not endorse ISIS (the movement) in any way, shape, or form and hope they all jihad themselves in suicide bomber training. In retrospect: ISIS (the movement) plunders Verizon's ISIS payment system and uses the money to blow themselves up.