The biggest push is from banks. The biggest cost for banks are fraud, and physical cards are very vulnerable . Banks have "ordered" all merchants to install mobile payment system before 2015, after that the merchants themselves will have to take care of fraud themselves. Mobile payment technology is very safe and simple indeed. It's just a matter which standard will win out. It's not about which technology is better, they are more or less the same. It's about who has the power to push forward . So the support from banks is crucial here. Eventually the benefit from the fraud cost saving will be shared by banks, merchants, and custermers.
google wallet是第三方支付,和pay pal一个性质,只要是visa mc就能用,不需要银 行支持 之前,因为验证过程需要运营商支持,运营商还要测试授权移动设备,导致能用的人很 少。现在android4.4绕开这个了,所有NFC的手机都能用了
【在 s**********d 的大作中提到】 : google wallet 跟applepay一样可以说不需要银行支持。只是google一如既往不去开拓 : 市场,所以不像苹果'这么高调。 : 我试过google wallet 用chase citi FIA都可以,虽然从没收到他们说支持google : wallet .
t*s
23 楼
Technical Things like virus are not important, it will be resolved one way or another. Just like concerns of Internet payment 10 years ago. It's about who will have the pricing power, who will own the transaction data. This is what the mobile payment war about.
Apple will own the transaction data, mostly likely also share with participating banks. This is power. If this takes off, the data itself will be Easily worth $100b.
The biggest problem of Google is they are not focused on things. They spread out too much. They wanna do everything, but not being realistic. But on the other hand, they need constant new initiatives to support its high p/e, in a sense, it's also a rational choice.
【在 t*******s 的大作中提到】 : The biggest problem of Google is they are not focused on things. They spread : out too much. They wanna do everything, but not being realistic. : But on the other hand, they need constant new initiatives to support its : high p/e, in a sense, it's also a rational choice. : : 产品设计不一样,谷歌找的是运营商合作,然后被坑了。。。
【在 q***n 的大作中提到】 : if this is real, then apple pay is fantastic!! : cannot wait to use it everyday
q*n
42 楼
呵呵,哥当年在galaxy nexus上刷google wallet免费10刀credit的时候,阁下恐怕还 在吃奶呢! google wallet跟apple pay没得比!you need to get your facts right before you speak!
【在 s****e 的大作中提到】 : 欢迎来到2012年
s*e
43 楼
给阁下中英混输跪了
you
【在 q***n 的大作中提到】 : 呵呵,哥当年在galaxy nexus上刷google wallet免费10刀credit的时候,阁下恐怕还 : 在吃奶呢! : google wallet跟apple pay没得比!you need to get your facts right before you : speak!
q*n
44 楼
1. google wallet没有整合指纹识别,每次pay必须要手动输密码 2. google wallet不能自动从关机唤醒,必须先手动开机解锁才能使用 3. 当年整了几十刀的credit,愣是找不到地方刷!有些超市还有麦当劳,google说可 以刷,但就是过不了,不知道怎么回事。最后还是在网上用掉了事。
【在 s****e 的大作中提到】 : 给阁下中英混输跪了 : : you
s*e
45 楼
都是装逼的玩意,要省事直接刷信用卡就完了
【在 q***n 的大作中提到】 : 1. google wallet没有整合指纹识别,每次pay必须要手动输密码 : 2. google wallet不能自动从关机唤醒,必须先手动开机解锁才能使用 : 3. 当年整了几十刀的credit,愣是找不到地方刷!有些超市还有麦当劳,google说可 : 以刷,但就是过不了,不知道怎么回事。最后还是在网上用掉了事。
I positively agree most of ur opinions. Banks are most of thing. Don't fight with them. Let them get used to phone pay first. But for technical things: safety,privacy and easy handing on. Apple is way better than google. Software is possible beak down no matter how hard it is. Hardware isolation is impossible break down. Otherwise u have break down the basic physics law. But hw will make it hard to use. Then Hw and sw should work together.
about is
【在 t*******s 的大作中提到】 : Technical Things like virus are not important, it will be resolved one way : or another. Just like concerns of Internet payment 10 years ago. It's about : who will have the pricing power, who will own the transaction data. This is : what the mobile payment war about. : : 涉及到pay,需要强势的商家如苹果才能和整个产业链条上的其他环节的巨头(Visa, : walmart)理顺关系。更何况涉及到pay之后安全是第一要素,要在这个前提下尽量方便 : ,and........