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The author:(作者)qqpublished in(发表于) 2015/6/8 8:46:48 Mobile payment has been made， Apple and Google， who will be the winners？ ，
On June 8, according to foreign media reports, the United States, because there is little consumer interest, coupled with the many barriers to mobile payment, Apple and other companies have introduced a new feature to promote the popularization and development of means of payment.
Scheduled to open today's 26th annual Worldwide Developers Conference (WWDC), Apple launched a new feature for Apple is expected to Pay mobile payment services, including the means to provide incentives to consumers.
At that time, once purchased through NFC-equipped iPhone or Apple Watch completed, Apple allows consumers to Pay or would automatically get coupons, reward, loyalty points, and from specific merchants (or Apple) promotions.
Recently announced at the Google I/O Conference, will Android Pay Services Add a similar feature.
However, this really is a panacea for solving problems for you?
Too few businesses support and credit card payments difficult to shake
According to a large survey and analysis of data shows that while Apple Pay to bring consumers some degree of novelty, but the United States population as a whole to pay via mobile phone or a watch is not too cold, especially in credit cards and cash transaction so easy today.
Research shows that consumers are worried about the security and privacy issues. Even in theory, NFC credit card magnetic stripes are more secure, but it is not enough to dispel doubts.
Meanwhile, after trying one or two mobile payments, many consumers choose to give up, because they are hard to find acceptable payment merchant.
In March, Apple claims that 700,000 locations accept Apple Pay, sounds very much. However, the payment terminal number of entities across the United States about 12 million or so, to let the 90% have the ability to accept the NFC payment, it takes 10 years. For example, in Canada access to smart card technology it took 8 years.
IDC for hundreds of United States and the European people into the same reflects in-store smartphone payment methods lack interest. According to IDC analyst weier·situo and (Will Stofega) that either Apple, Google or any other similar technology, to people not too attractive, in addition to San Francisco and New York, few people will be interested in this.
Apple did not disclose the number of specific users using Apple Pay. In January, CEO Tim Cook (Tim Cook) said two-thirds contactless payment transactions is done through Apple Pay, including NFC. But moving the whole amount paid is still quite low, only about 4% of the total amount to stores across the United States. It was announced in January of this year by the Hui Erfeng, this was a company that manufactured in-store payment terminal.
Stowe and said increases in the mobile payments consumer rewards feature would really help, but whether it will have a strong appeal to the people is not yet known.
In a survey conducted in April this year by Kay 76% iPhone6 iPhone6 Plus tried Apple smartphone users Pay. However, noteworthy is that only 2.6% of them were clear that they do not trust the technology, while 4.1% said they did not know how to use it.
According to lead researcher Kay kaluolaina·milanneisai (Carolina Milanesi) that the reason people don't use Apple Pay or other similar services because there is no need, credit card can meet their needs.
In March this year, another survey by the PYMNTS.com 1000 iPhone6 owners also show that only 15% try Apple Pay, and only 6% said they would continue to use it.
Milan also believes that adding consumer incentives will have a certain degree of appeal, but it will not become critical.
Mobile payment is scheduled
From Moor Insights & Strategy analyst Patrick Ke·moerhaide (Patrick Moorhead) were of the view that he is very optimistic about the Apple Pay future development, not because of new consumer incentives and integration capabilities, but Apple has been able to continue to provide users with a great experience, coupled with the company will not use the personal information of consumers, and this differs with Google.
Meanwhile, reports that Apple is working to sign during the year 100 of the nation's largest retailer to accept Apple Pay. According to a Reuters report, Apple's spokesman said that half of these 100 will begin before the end of 2015 acceptance Apple Pay, and the rest will also be completed in 2016, the year preparations.
However, according to Reuters's own investigation showed, the top 100 businesses currently accept Apple less than 25% Pay and 66% of business, do not support Apple Pay this year. These businesses do not support Apple does not Pay is the main reason consumer demand clear and against Apple consumption habits the lack of Pay transactions for personal data access and the cost of using this technique.
According to some of the businesses polled by Reuters said they belonged to the MCX Union, expected later this year, called "CurrentC" as a new payment system.
Moerhaide said because of confidentiality agreements, a Reuters survey does not reflect the real situation. Moreover, as more and more businesses and consumers to accept the technology, the rest of the businesses will feel enormous pressure, finally had to give in to the trend. He is optimistic about the future of Apple Pay.
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