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Pay by Smartphone: not Yet suitable for everyday use

The coffee at the bakery - paid cashless with the Smartphone. The about Apple Pay, which launches today, promises. But for everyday use, such systems are not yet.

Saturday morning, Busy at the supermarket checkout: It will take to find the wallet in the depths of the purse, coins and Notes, suitable to recount, or the connection of the card reader to be seen.

In the brave new shopping world should Pay for much faster and more practical. With today's launch of Apple Pay, the industry is pinning great hopes. Banks and traders expect a reversal of the trend. Apple Pay is supposed to give the mobile to Pay for the necessary thrust and it is suitable for mass production.

The requirements are met: The Smartphone is an everyday object that has been already constantly in Hand, the payment terminals are equipped, and the seller to the coffers trained. Were select, phone, or just the Smartwatch to the payment terminal, ready for - so want to make the provider attractive to the customer.

The Smartphone is just the reader and the amount will be debited from the account. Developers prices, the technology to be very handy.

a High proportion of Bar-payers

to apply, However, Germany as a difficult market. Yet someone pays with his Smartphone. 80 percent of all purchases are paid in cash. And, although some providers, such as Google Pay or the savings banks and cooperative banks with their own Payment push Apps in the market.

As the Smartphone becomes the wallet, runs in principle on all mobile payment options are technically similar. A credit card is stored in the respective Payment App. In business, the customer holds the device when you contact Pay-less Smartphone to the cashier, reading. When equipped with the so-called Near Field Communication (NFC) technology, and in Germany meanwhile, more than half of all the funds, it works.

In Android phones, it is sufficient for amounts under 25 euros to keep the Smartphone to the POS terminal. Who is making more expensive purchases or by those who make a purchase with the iPhone, must identify themselves through fingerprint or facial recognition.

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