201–210 of 225 posts
So we want to make payments via our phones. My first thought would be to create a protocol for this. Instead we get ApplePay and GoogleWallet and whatnot. If the internet was invented today, we would have AppleMail instead of email and GoogleTrans instead of http.
One implication of Apple Pay is it erodes advantages of leaders like Uber. Minimizing payment and account friction means trying a new service becomes much easier.
Exactly the opposite seems to be true. Uber had a presence in the keynote today with a way to ride without ever creating a login, which should enable lot more people to use the service. If you thought that the advantage Uber had was mostly was in minimizing payment friction, that would be pretty wrong.
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Silent Circle released the Blackphone it developed off a fork of Android. This policy has allowed for bloatware, yes, but it also allows for innovators to innovate unimpeded. I have the choice to buy a phone without bloatware and I did. I don't know why others don't do the same and then blame the OS maker for allowing their open software to be open. These policies also allow for cheaper phones to get into the hands o…
Well, I agree with most of your statement, however, in your scenario you only have a choice in what experience you want if you have the money to buy the unsubsidized phone- anyone else has the choice to buy the subsidized bloatware phone or do without (which is more choice than they would have if the subsidized phone did not exist...)
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Google exercise control over the software shipped on all mainstream Android phones through Google Mobile Services licensing (GMS includes the Play Store, gmail, maps, GCM, etc.) These restrictions could include ones which prevent MNOs and OEMs from adding bloatware, but they don't.
These restrictions would stymie innovation as well as take the devices out of the hands of the less-affluent, no bueno. Bloatware has some good it brings, this good just doesn't have an affect on me. Similar to taxes, I pay a ton of them and don't really get anything back aside from so-so roads. Where someone who is in a bit worse spot sees a lot of benefits from those taxes. It's something I accept as necessary, but…
What is Apple's Cut going to be to use Apple Pay ? 1. Say, I have an app that will Apple Pay. So in addition to 30% cut made by Apple for my app will using Apple Pay cost more ? 2. I understand this will require NFC terminal to recognize the payment through Apple Pay but that's in physical store. If I already have some payment method setup for my app why should I choose to use Apple Pay ? or I guess my question is Ap…
Apple Pay is intended for purchasing items in Stores, not apps. Apple Pay won't change anything about purchasing apps / in-app purchases. Apple Pay won't take a 30% cut of every transaction.
From their website: "Apple Pay lets you use iPhone 6 to pay in stores and within apps in an easy, secure, and private way."
So we want to make payments via our phones. My first thought would be to create a protocol for this. Instead we get ApplePay and GoogleWallet and whatnot. If the internet was invented today, we would have AppleMail instead of email and GoogleTrans instead of http.
I still don't see how replacing a credit card (that can be used for contactless payment with Visa Paywave or Mastercard contactless) by a phone that may have a dead battery brings anything to the table. Really, what's the point?
Couldn't help smiling at this marketing messages from Apple about Apple Pay - “We have security integrated throughout both hardware and software in a way only Apple can." “Apple Pay is easy, secure, and private.” I would have loved if they would have gone beyond the marketing messages, and explained in some more detail about how they have made this secure, what improvements they have made (to TouchID etc) over previo…
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It doesn't use your card's number, it creates a virtual card and gives that number to the payment terminal. https://support.google.com/wallet/answer/2676665?rd=1
Yes and who cares? It still is not secure. Anyone who gains the virtual card number can use it and the merchant system can charge arbitrary amounts of money to it. A payment system that wasn't cooked up by weirdos would include actual security features such as your phone's display shows the amount of the transaction and you enter pin or password or other knowledge and your phone signs the transaction. That would be n…
As for the rest of your comment, I don't think you're doing any risk modeling.
I have $0 fraud liability on all my cards. When fraud occurs, it takes a couple minutes to dispute a transaction. Even when it was a debit card, my credit union immediately gave me a provisional credit for the disputed amount while they investigated. The total cost to me for fraud is no more than a few minutes of my time. I have little reason to care about security.
Banks care about profit. What makes you think they haven't considered tighter security measures, and found that the cost of implementing them (including the inconvenience to consumers and resulting lost revenue) outweigh the savings from reduced fraud?
So we want to make payments via our phones. My first thought would be to create a protocol for this. Instead we get ApplePay and GoogleWallet and whatnot. If the internet was invented today, we would have AppleMail instead of email and GoogleTrans instead of http.
I still don't see how replacing a credit card (that can be used for contactless payment with Visa Paywave or Mastercard contactless) by a phone that may have a dead battery brings anything to the table. Really, what's the point?
Adoption. Apple brings it's users... who just seem to adopt Apple features better than competitors' similar features.
If contactless pay is a gordian knot of user vs. merchant adoption, Apple will play the part of Alexander and untie/sever the knot.
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Google doesn't cause bloatware, Carriers and Handset makers do. One of the many consequences of OSS, people can fork and bloat to their heart's content. Also, I haven't had one issue with software updates on my Nexus 5 (which indeed comes bloatware free). If I recall correctly, wasn't the iOS7 update a shit show?
If I recall correctly, wasn't the iOS7 update a shit show? No, you don't recall correctly. iOS has had the ability to update via iTunes since it's very first release in 2007. iOS users have been able to update their devices regularly to the latest and the greatest without problems for many years, while on Android it's the exception rather than the rule. This includes iOS 7, which like previous and later releases work…
I would say that an update can't get worse but at least I liked IOS7 when I got to use it so I wasn't too phased. What actually makes me much more miserable is when software updates introduce new bugs, remove features and slow the device down and I can't do anything about it.