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This article was published on November 12, 2015 at 19:03.
The last change is the November 12, 2015 at 19:04.
What’s ahead for the mobile payment platform of Cupertino: the indiscretion offers it The Wall Street Journal and the additional option that will provide users of the iPhone is a service for money transfers in “person to person” from a trustworthy entity (friends, acquaintances, colleagues). Apple pay is therefore ready to take a step forward and to realize the update in question, expected in 2016, the company’s Apple would be in talks with several US banks. The names that rattles off the American newspaper are those of JP Morgan Chase & amp; Co., Capital One Financial, Wells Fargo & amp; Co. and US Bancorp.
Why Apple would have decided to jump into the arena of money transfer services on smartphones? There is no single answer. First, because in the world of digital payments these tools are used a lot and provide the platform Pay an “add on” very popular among users in itself a logical; secondly because for payments of type p2p between devices connected wirelessly giant California it has developed a new technology already patented. A third reason, and perhaps the most important of all, is perhaps the desire to throw a gauntlet to Venmo, app owned by PayPal elected “must have” for many Americans and beyond.
Competition
If Apple’s intentions are indeed those of the first providers to hoist himself in the service of “personal payment” it is also true that the house of Cupertino has to deal with competition quite fierce.
According to the consulting firm Aite Group, in the third quarter of this year alone Venmo handled a volume of 2.1 billion dollars of transactions on the mobile and has enabled 19 % of the transfer operations “person-to-person realized on a global scale.
The same PayPal has put amni on Xoom, a startup in San Francisco that has created a service of money transfer service is not too different from Western Union and Moneygram, but with the important difference to be manageable via app (on Android devices and IOS).
Another name to battle Square, money transfer platform created by the current number one of Twitter, Jack Dorsey. And then there are the services of the big Internet companies. Facebook introduced last summer, for now only in the United States, a solution that enables payments “in one click”, by connecting your account with a debit card Visa or Mastercard, through the Messenger chat. Google finally plays in this world with a payment platform like Android Pay and with an app (your wallet) that donations can be transferred from one user to another via credit card through a link sent via e-mail.
According to Patrick Moorhead, principal analyst at Moor Insights & amp; Strategy, who will win the game, and better than others, lull users into a virtual place where they already spend much of their time. And Apple, with its iTunes (where millions of users purchase digital content directly by credit card) does not start in certain disadvantage. Especially since, directly by CEO Tim Cook, during his European trip, it came a kind of warning: the electronic payment systems like Pay become so pervasive in the future that the children of tomorrow will not know the cash.
The thrust of Generation X
The survey is signed by Phoenix Marketing International, it was conducted on a sample of 15 thousand American consumers and reveals that Apple has gained from February to Pay September 2015 only four percentage points in terms of penetration, rising to 11%. Launched in October 2014, the platform has been emulated especially among users aged between 33 and 38 years (they are 48% of all users) and so-called Millennials (aged between 18 and 32 years) account for 42%. The latter, however, are the biggest users of the service, having recourse to the 26% of its payments. And finally there is another indicator that can bring a smile to the top of the apple: 79% of those using the iPhone or Apple Watch for their transactions electronically (14% of American households with valid card) has stopped altogether to use the contactless cards of plastic.
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