When it comes to dealing with money, one question is always being asked first "Who will be responsible when thing went wrong?". For Apple, they own iOS and iPhone (Finger print security via Touch ID, NFC and Secure Element), so it has more advantage to dictate how things are built in bother software and hardware. Compare to other mobile payment solution such as Google Wallet, not so much.
Android only own and control OS, but phone was manufactured by different OEM such as: Samsung, Sony, HTC, etc... To make thing even worse, each OEM cam customize Android OS to fit their own branding.
Another key factor is, Apple users are arguable generous folk, they don't mind on spending money like they usually does with none-free apps.
Android only own and control OS, but phone was manufactured by different OEM such as: Samsung, Sony, HTC, etc... To make thing even worse, each OEM cam customize Android OS to fit their own branding.
Another key factor is, Apple users are arguable generous folk, they don't mind on spending money like they usually does with none-free apps.
What about Loyalty point?
Well, I did not hear any thing mentioned about loyalty point via Apple Pay. I expect Apple to do some thing smart with their iBeacon technology in Loyalty solution.
Don't worry Apple promises not to keep track what you buy
Apple does not need to care what you buy. But it is taking a small payment processing fee from merchant or bank, as usual. So that they can earn a couple digits of million income.
Don't worry as a user your don't need to pay for this fee.
Don't worry as a user your don't need to pay for this fee.
It may be use VTS (Visa Token Service)
Tim said each transaction was authorized using the token and a one-time dynamic security code, so that even your merchant cannot see your information. Please don't hold me to this speculation, I think Apple Pay is using technology called VTS (Visa Token Service).