Source: venturebeat.com - Monday, December 01, 2014
You’ll pardon U.S. merchants for not throwing a parade for Apple Pay. Consumer research reports that came out in advance of the holiday season said that as many as a third of survey respondents indicated they’d like to use some form of mobile payment for their shopping this year. And a new study by Retale has stated that 56 percent (!) of people want to use mobile payments this shopping season. But the majority of the available mobile payment technologies use near-field communications (NFC), which would only let those people pay at 3 percent of the places they shop, researchers say. I’ve been using Apple Pay for a few weeks now, and while I enjoy how well it works from a technological standpoint I can’t help but wonder what merchants are getting out of the deal. Apple is hoping that as more of its phones have an NFC chip inside, more people will begin to consider Apple Pay an indispensable aspect of their phone. If such a groundswell of adoption happens, merchants like Joe’s Market on the corner might be forced to support mobile payments, or risk customers migrating somewhere that does. Merchants, in order to comply, have to invest in contactless point-of-sale systems that support NFC. This costs several thousand dollars and a lot of employee training. And whether the card is in a wallet or on a phone the merchant still has to pay the 2 to 3 percent interchange fee on every transaction. Some of the bigger retailers who were named
from Top News on RSS Feeds http://ift.tt/1yy10ff
You’ll pardon U.S. merchants for not throwing a parade for Apple Pay. Consumer research reports that came out in advance of the holiday season said that as many as a third of survey respondents indicated they’d like to use some form of mobile payment for their shopping this year. And a new study by Retale has stated that 56 percent (!) of people want to use mobile payments this shopping season. But the majority of the available mobile payment technologies use near-field communications (NFC), which would only let those people pay at 3 percent of the places they shop, researchers say. I’ve been using Apple Pay for a few weeks now, and while I enjoy how well it works from a technological standpoint I can’t help but wonder what merchants are getting out of the deal. Apple is hoping that as more of its phones have an NFC chip inside, more people will begin to consider Apple Pay an indispensable aspect of their phone. If such a groundswell of adoption happens, merchants like Joe’s Market on the corner might be forced to support mobile payments, or risk customers migrating somewhere that does. Merchants, in order to comply, have to invest in contactless point-of-sale systems that support NFC. This costs several thousand dollars and a lot of employee training. And whether the card is in a wallet or on a phone the merchant still has to pay the 2 to 3 percent interchange fee on every transaction. Some of the bigger retailers who were namedfrom Top News on RSS Feeds http://ift.tt/1yy10ff
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