They are now more like Ford. Basic, but a safe buy.

Apple mainly copies. (and Bagov cant be in the UK)

An interesting claim that prior to Apple Pay fraud ran at 0.1% increasing 60 fold to 6% for Apple Pay.
http://www.nytimes.com/2015/03/17/bu...apple-pay.html

Yet "Apple has now begun providing additional information to the banks that should help deter some of the fraud." likely means banks now have a better method of verification.

Well, its certainly interesting that you seem to want to create the impression that the fault lies predominantly with Apple, given that:

"It is not clear, however, that Apple is the naked emperor. More likely it is at least as much the banks’ fault, if not more.

Apple Pay itself should, in theory, cut down on fraud because it makes stealing credit card information almost impossible"

It can't be Apple's fault. The banks were probably just using it wrong.

Ah, sarcasm.

But sarcasm aside, did you have anything constructive to add?

A quote from that NYT article "It is not clear, however, that Apple is the naked emperor. More likely it is at least as much the banks’ fault, if not more."

I can't tell from your post if you are joking or serious.
I'm not being funny either, I just can't tell.

When people tried to argue, with a straight face, and with no sense of irony, that muggers would cut people's fingers off because of touch ID, I seriously did think they were guilty of being OTT and hysterical. (in both senses of the word)

You do have to bare in mind that american banks are no where near as secure as Europeans in these sort of matters.

Ah right. Got it. We're both on the same page!
I was getting ready then to call you a mad man! haha
Bloody text, sometimes you just don't know where people are coming from.
Good job world leaders don't use forums, we'd be on world war 4 already!!

I would hope the UK banks wouldn't allow you to add a card to Apple Pay without validating using something like the PIN code generator machines some have been issuing.

What about a PayPal style approach where they'd prefer to be able to do direct debit from your bank account?

Apple Pay isn't PayPal, it doesn't run an "account", its just a new way of using your debit or credit card in a shop (or online) that is more secure because the card number is not sent.

I think Google Wallet tried the account method. It didn't take off as apparently Google wanted the shops to tell Google what you'd bought for advertising data reasons.

Samsung Pay will be interesting to watch, probably be like Google Wallet.

Your right

You've lost me.

Why am I mad for thinking stories about muggers cutting people's fingers off because of touch ID were OTT hysteria?

Or were you just being rude generally? In which case you should ask charm school for a refund.

Educated the expensive way he knows his claret from his beaujolais

If you have something to say, maybe you should just say it instead of the incessant winking.

Here are some more chosen-for-a-purpose quotes from your linked article:

"...the banks may largely have themselves to blame."

"...Apple Pay has exposed what many of the banks privately acknowledge they have been trying to fix for months."

"The banks, desperate to become their customers’ default card on Apple Pay — most add only one to their iPhones — did little to build their own defenses..."

"It also appears that banks set up a flawed process to deal with the credit cards that it did flag."

Sorry I've got something in my eye

Maybe you should get it looked at and come back when its better.

In the last few weeks AW's obsession with Apple has resulted on more than one occasion the selective quoting of articles. I assume he hopes that others just don't bother to read his links.

http://arstechnica.com/apple/2015/04...ith-retailers/

The only problem I have had with NFC is where the contactless terminal has NFC turned off and staff do not even know if it actually works. Of course when that has happened I simply inserted the card to pay by normal debit.

It is not the case here so 50/50 it is likely you need to carry cash or a card too.
The other interesting aspect over there is that you can link Apple Pay to a credit card, it being the common option, thus making retailers more reluctant to accept it.

MasterCard has a deadline when all terminals must be contactless enabled (as in have it turned on)

Why bother to mention it if it is 2020 ?

Not sure I understand that statement. The issues raised in that survey of 500 seem to be more about the lack of service training or technical glitches. Both of which I am sure will be sorted out over time.

However, the survey did show that take up was rather high, so there is clearly a demand.