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Want to know the Apple Pay development track to see the international market

via:威锋网     time:2017/8/11 10:31:11     readed:1308

To know the real path of Apple Pay, you need to understand the advanced mobile payment market outside the United States, such as the UK. That's why the June UK credit card spending statistics provide a good indication of the future direction of Apple Pay's development.

The report shows that in all UK credit card transactions, non-contact payments accounted for 34%, and online payments accounted for 13%, yes, Apple Pay is actually a lot of British consumers, not far away.

With the increasing number of non-contact payment PoS infrastructure, non-contact payment solutions continue to expand, including Apple Pay and the popularity of mobile phones and so on, consumers understand the contactless payment system more and more, then perhaps Many British consumers will mention a word, my pocket is not cash.

It is reported that the UK's credit card payment in June was slightly lower than 1.4 billion, which has set a monthly record, and this data in the past 12 months which increased by 12%, which is since June 2008, the highest annual increase in rain Rate, which is also driven by strong growth in both online and non-contact payments.

In the UK, the number of non-contact payments is increasing, and it is important to know that the amount currently paid in the UK, using mobile payments, is limited, which means that the current payment is made either through traditional bank cards And PIN or check and cash to complete. But it is certain that cash transactions in the UK are not as popular as they used to be.

This is actually a signal that can help us understand what will happen in the mobile economy.

Richard Koch, head of credit card business at Credit PhD, said non-contact payments accounted for one-third of transactions in June, and consumers continued to use their credit cards for various purchases. Although spending is relatively modest, the number of transactions is growing at a faster rate, with about 46 million credit cards used for shopping every day.

And in the middle, there is a clear track, is conducive to Apple Pay growth. By the end of 2016, 40% of credit card transactions were either online or non-contact cards, compared with 25% in the previous year.

"We see the emergence of new technologies, such as in-app purchase, social media and messaging, and the ability to pay, which is based on the card payment system," said Richard Koch.

Of course, the UK is just one of the developed mobile payment markets. Another advanced mobile payment market is China.

China has more than 500 million mobile payment users. The use of WeChat payments, Alipay or Apple Pay and other mobile payments in China has become very common, and even street hawkers and magazine stalls can provide a mobile payment.

Apple and other companies are quietly trying to build such an infrastructure, so that small businesses can accept payment of non-contact payment. Perhaps in a way, these solutions will be done internally in iOS, because every cash transaction is virtual. But some people will think this may be a bit strange, when we pay in virtual currency, it still has the substance?

With the increasing popularity of mobile payment systems, other strange new problems are emerging, and the development of technology tends to create new problems when solving old problems.

In fact, there will often be a lot of interesting things about moving payments in China. A taxi driver in Beijing says that sometimes passengers will put their wallets at home and only after reaching their destination will realize that their mobile phone is no longer Electricity, and depressed is that they did not carry mobile power ... ...

In the UK, if your Apple equipment runs out of power, you have used it to pay part of the deposit, and if you can not use the same equipment to complete the payment, you will be charged in full, of course, that is in London. But Beijing's experience shows that if you happen to be a taxi driver, you may want to carry something at work, such as mobile power or data lines.

So that consumers believe that mobile payment is safe is still a problem. Some analysts point out that they are safe. This is why a group of ulterior motives have only recently discovered that the weakest links in systems like Apple Pay are not technology companies, nor customers, but banks, and Apple has recently warned them to "be careful".

In addition, our iPhone is often attacked by some malicious people, they always try every means to transfer the money in our iPhone.

That's why you have to keep your iPhone and other devices safe. All of this information is safe - from smart door locks to keys to the safety of your currency, you should be protected, seek protection, and be as cautious as possible.

From the current development trend, analysts also believe that we are slowly entering a mobile payment ubiquitous world, and in the process, whether Apple Pay or other mobile payment, synchronization is coming.

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