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Apple Cash

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Re: Apple Cash

#61

Post by oezi »

buro9 wrote: post #57
oezi wrote: post #46

Earlier quoted context omitted.

When I search for Wallet in the Play Store I don't even find a "Google Wallet" app nor do I find it on my Android phone. My experience with managing boarding passes in Android is absolutely abysmal because Android does not support pkpass (the format Apple uses).

Pkpass appears to be an Apple defined spec that isn't owned by a neutral party like a standards organisation. Yes they've published the definition ( https://developer.apple.com/library/archive/documentation/Us... ) but why would other companies embrace a definition and then entrench that when Apple could change it at any time or lock them out of future revisions? If an airliner is only making boarding passes availabl…

But what do you mean with "just worked"? Where did the pass show up?

Re: Apple Cash

#63

Post by Zanni »

gnicholas wrote: post #28
user_named wrote: post #14

A bit of a product marketing snafu by Apple if I may say. 1. Apple Cash is apparently not cash, nor a wallet, but a card that is stored inside wallet. 2.There is already Apple Wallet, Apple Pay, Apple Card. It looks to me that they're all the same. Why can't I Pay with the Cash in my Wallet. Or can I?

Agreed. It's like the Apple TV moniker, which refers to hardware, software, and a subscription service.

Other people may blur the boundaries, but Apple distinguishes them. Hardware: Apple TV. Software: tvOS. Subscription service: Apple TV+.

Re: Apple Cash

#64

Post by katbyte »

ryandrake wrote: post #20
user_named wrote: post #14

A bit of a product marketing snafu by Apple if I may say. 1. Apple Cash is apparently not cash, nor a wallet, but a card that is stored inside wallet. 2.There is already Apple Wallet, Apple Pay, Apple Card. It looks to me that they're all the same. Why can't I Pay with the Cash in my Wallet. Or can I?

> 1. Apple Cash is apparently not cash, nor a wallet, but a card that is stored inside wallet. 2.There is already Apple Wallet, Apple Pay, Apple Card. Nobody in technology, at least in the USA, seems to be able to make the marketing for their "payment things" understandable. On the Google side, there is (or was) Google Wallet (OG), Android Pay, Google Pay, gPay, now Google Wallet (new). I don't know which one I shoul…

Here in Canada it’s crazy to hear about all the different apps and challenges in the states given we’ve had etransfer (email money to anyone it Canada from your bank) for nearly 20? years now I think. It just works.

Re: Apple Cash

#65

Post by buro9 »

oezi wrote: post #61
buro9 wrote: post #57

Earlier quoted context omitted.

Pkpass appears to be an Apple defined spec that isn't owned by a neutral party like a standards organisation. Yes they've published the definition ( https://developer.apple.com/library/archive/documentation/Us... ) but why would other companies embrace a definition and then entrench that when Apple could change it at any time or lock them out of future revisions? If an airliner is only making boarding passes availabl…

But what do you mean with "just worked"? Where did the pass show up?

The airline app offered a button to add the boarding pass to Google Wallet, I pressed the button (because airline apps are slow, and a local asset would be more reliable) and it appeared in Google Pay and everything went smoothly. The airport barcode scanner worked, the boarding gate scanner worked. More... the entry in Google Pay was updated with the gate number and notified me of the change, and the flight departure time was updated. Even the priority boarding is reflected on it which allowed me access to the first queue. Links from the boarding pass went to "Booking management" and also "Flight status detail".

It literally "just worked". It was intuitive too... I'd not seen it before and knew where to find everything.

I hadn't seen the functionality before (but haven't travelled in ages), and everything I would reasonably hope for from it was there working flawlessly. Even this morning when I looked at it I see it's moved into the "Expired passes" section as I would expect from a flight in the past.

Similar for the COVID pass in Google Pay... it was accepted at KubeCon, it was accepted at the Canadian border, it was accepted at the Spain border. Everything "just worked".

Google Wallet is likely fully implemented in the Google Pay app today, and the change is going to be a rebranding just to let people know you can do more than just pay for things. I don't work for Google or hold shares, all of this stuff is just me using the product as a user... it all works great for me, YMMV etc.

Re: Apple Cash

#67

Post by cassianoleal »

MichaelBurge wrote: post #47
cromka wrote: post #39

Earlier quoted context omitted.

> How has this industry so royally fucked up something that should be pretty straightforward? Because... money? Venmo built up the biggest user base and was subsequently bought out by PayPal for big bucks. Zelle was a major initiative by the banks themselves, but too late, I suppose, to sway the habits of the consumers themselves. There was also SquareCash, but they were also too late into the game, particularly beca…

I usually pay people online with Paypal. Isn't that p2p given that you send money using only their email address? What do Venmo/Zelle give over that?

To pay with PayPal, cash moves: Your Bank Account -> Your PayPal Account -> Their PayPal Account -> Their Bank Account.

That's how a client-server model works, definitely not p2p.

I have no clue how Venmo or Zelle work though, so I don't have an answer to your latter question.

Re: Apple Cash

#68

Post by jjeaff »

MichaelBurge wrote: post #47
cromka wrote: post #39

Earlier quoted context omitted.

> How has this industry so royally fucked up something that should be pretty straightforward? Because... money? Venmo built up the biggest user base and was subsequently bought out by PayPal for big bucks. Zelle was a major initiative by the banks themselves, but too late, I suppose, to sway the habits of the consumers themselves. There was also SquareCash, but they were also too late into the game, particularly beca…

I usually pay people online with Paypal. Isn't that p2p given that you send money using only their email address? What do Venmo/Zelle give over that?

PayPal is complicated and difficult to use. There are lots of different ways to pay people and they use dark patterns to try and get you to use a method that costs you fees. And this is coming from someone who has used it for 20 years. Venmo is starting down that same road, likely due to it being purchased by PayPal.

Re: Apple Cash

#69

Post by l33tman »

ryandrake wrote: post #20
user_named wrote: post #14

A bit of a product marketing snafu by Apple if I may say. 1. Apple Cash is apparently not cash, nor a wallet, but a card that is stored inside wallet. 2.There is already Apple Wallet, Apple Pay, Apple Card. It looks to me that they're all the same. Why can't I Pay with the Cash in my Wallet. Or can I?

> 1. Apple Cash is apparently not cash, nor a wallet, but a card that is stored inside wallet. 2.There is already Apple Wallet, Apple Pay, Apple Card. Nobody in technology, at least in the USA, seems to be able to make the marketing for their "payment things" understandable. On the Google side, there is (or was) Google Wallet (OG), Android Pay, Google Pay, gPay, now Google Wallet (new). I don't know which one I shoul…

In Sweden there is a single cross-platform payment app since >10 yrs called Swish which all the banks are connected to, and you transfer money by entering the recipients mobile phone number and the amount. No fees and the transfer is instant.

I guess it's luck that some countries happened to get the banks to agree to something like this at the particular time when the technology needed to support it just had matured (in Sweden a government supported e-ID had just become prevalent), and then it's kind of difficult for them to pull out and say "now everybody should pay for it".

Here you can pay with Swish in most stores as well, but the prevalent payment method there is still mastercard/visa I think.

Re: Apple Cash

#70

Post by weberer »

pretext-1 wrote: post #59
drclau wrote: post #50

Earlier quoted context omitted.

I don't know anyone using Paypal for this scenario. However, people do use Wise and Revolut.

In my country (in EU) everyone uses it. Friends, colleagues, family, everyone. That part is great. But the app sucks. I wish PayPal would fix their app. Animations are buggy, it's slow (not really slow but slow enough to show a loading spinner every time) and navigating through the app is hard.

In Finland, I've only seen people use MobilePay
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