Why are Mobile Payment services like Apple and Android Pay not as popular as they should be in the UK? - Techist - Tech Forum

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Old 02-07-2018, 10:31 AM   #1 (permalink)
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Default Why are Mobile Payment services like Apple and Android Pay not as popular as they should be in the UK?

Hi there,

I am a student currently researching Mobile Payment services like Apple Pay, Android Pay and Samsung Pay and looking at why they are not as popular as they should be in the UK. I am looking more specifically at what consumer perceptions are towards these technologies, alongside interviews with industry experts I am conducting an online survey to understand consumers perceptions towards Mobile Payment services.

It would be immensely appreciated if you could take 5 just minutes out of your day to fill out this questionnaire.

Please note, this research is focused on the UK so please only respond if you are currently living in the UK.

The survey can be found here:
https://www.surveymonkey.co.uk/r/TFZ8NPS

Thank you,
Peter
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Old 02-08-2018, 05:33 PM   #2 (permalink)
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Default Re: Why are Mobile Payment services like Apple and Android Pay not as popular as they should be in the UK?

Quote:
Originally Posted by peterzinovieff View Post
Hi there,

I am a student currently researching Mobile Payment services like Apple Pay, Android Pay and Samsung Pay and looking at why they are not as popular as they should be in the UK. I am looking more specifically at what consumer perceptions are towards these technologies, alongside interviews with industry experts I am conducting an online survey to understand consumers perceptions towards Mobile Payment services.

It would be immensely appreciated if you could take 5 just minutes out of your day to fill out this questionnaire.

Please note, this research is focused on the UK so please only respond if you are currently living in the UK.

The survey can be found here:
https://www.surveymonkey.co.uk/r/TFZ8NPS

Thank you,
Peter

You know what makes me angry about this post, is the fact you have said "as they should be" ; hence the word, should.

First off people don't all ways like the biggest and newest technology because theirs trust issues.

Also the UK has a massive aging population who wouldn't know how too use a smart phone if you explained half a dozen times.

Then theirs the actual money involved what everyone stands differently on as every individual values money differently.

Cash payments are still popular as cash is a valuable acceptable transaction at least for the time being until the Government get rid of it in regards to totalitarian authority and Big Brother.

Then theirs the austerity what is another thing to behold.

Also what about people who smoke cannabis or take the coke. Do you smoke the cannabis or enjoy a few lines of toot maybe being a student. Do you honestly think people what transactions going threw their bank account for the likes a 20 bag or 50 bag.

Again another thing, is the trust with the banks. Why should I trust my bank with my money if it can be broken in too and stolen. The banking system in this country are a bunch of legalized gangsters who bully people and will take you eyes and give nothing away even to the most vulnerable who are struggling but at the same time if your overdrawn you can kiss goodbye too your money on your next payment when it hits your banks account.

**I've got no food shopping mr bank manager.**

**Nah, not my problem. you owed the money and we are entitled too take it.**


The reason is a lot of reasons but me personally, why should I pay with contact-less payments when I can feel the power of the coin in my hand. Maybe thats another thing. IDC tbh..
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Old 02-09-2018, 01:39 AM   #3 (permalink)
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Default Re: Why are Mobile Payment services like Apple and Android Pay not as popular as they should be in the UK?

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Originally Posted by Spud1200 View Post
You know what makes me angry about this post, is the fact you have said "as they should be" ; hence the word, should.

First off people don't all ways like the biggest and newest technology because theirs trust issues.

Also the UK has a massive aging population who wouldn't know how too use a smart phone if you explained half a dozen times.

Then theirs the actual money involved what everyone stands differently on as every individual values money differently.

Cash payments are still popular as cash is a valuable acceptable transaction at least for the time being until the Government get rid of it in regards to totalitarian authority and Big Brother.

Then theirs the austerity what is another thing to behold.

Also what about people who smoke cannabis or take the coke. Do you smoke the cannabis or enjoy a few lines of toot maybe being a student. Do you honestly think people what transactions going threw their bank account for the likes a 20 bag or 50 bag.

Again another thing, is the trust with the banks. Why should I trust my bank with my money if it can be broken in too and stolen. The banking system in this country are a bunch of legalized gangsters who bully people and will take you eyes and give nothing away even to the most vulnerable who are struggling but at the same time if your overdrawn you can kiss goodbye too your money on your next payment when it hits your banks account.

**I've got no food shopping mr bank manager.**

**Nah, not my problem. you owed the money and we are entitled too take it.**


The reason is a lot of reasons but me personally, why should I pay with contact-less payments when I can feel the power of the coin in my hand. Maybe thats another thing. IDC tbh..
Very interesting points...

Going to your 'should' point, what I am referring to is the expectation from many of the players in the industry that they are going to be the next things... It was expected that this would happen, but instead growth has been underwhelming.

I completely agree with your point on trust, but not so much towards the banks. I think people find it difficult to trust the providers of Mobile Payments (e.g. Apple, Samsung) with such information. Many consumers believe that Mobile Payments are much less secure than using a bank card, a common misconception that is not the case because of sophisticated tokenisation technology.

I don't think cash holds a big place in this country, you can see it dying out to contactless cards!
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Old 02-18-2018, 11:35 AM   #4 (permalink)
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Default Re: Why are Mobile Payment services like Apple and Android Pay not as popular as they should be in the UK?

Growth is underwhelming because there's a trust barrier. You add another layer between you and your money and you have one more weakness. With a card the most common thing you have to worry about is a zipper. Put your card in the gas station pump, next thing you know somebody 600 miles away is having a shopping spree at Sears. That aside from the common, I lost my wallet. This is relatively and easily circumvented by calling your bank and say yo that's clearly not me. I can't be in two different states or countries at once. They return your cash, give you a new card and you're on your way.

When you're adding something like a phone to the mix you're giving yourself up to a way less secure platform for theft. The protection on the end of the company handling your information may be up to snuff, but what about the phone or tablet itself? What if you're having a nice porn sesh in the bathroom at Walmart and an ad pops up that now injects malicious code? They could A) grab the info as you type it into your device, B) snoop the info being sent out pre-auth, or C) steal your passwords and bypass all encryption and securities altogether. The more layers of insecurity you add between you and your money at the bank is another easier step to stealing said money. The common public isn't smart enough to understand or know all this, but they do know what works and that's simply swiping your card. Things like Apple or Samsung wallets is one more step out of convenience while setting up your phone to do the same thing at the cash register. Paying for stuff at a website more than likely you already have that info stored on their site from say your PC or whatever (like Amazon etc) and so inputting one more set of creds is one less step from convenience. The big deal with these services is it adds no extra functionality or more convenience to the end user to do the same thing which is pay for stuff. Tapping my phone on a credit card machine is no different than putting my chipped card in and running a credit transaction (because this requires no debit pin).

Sure in the off chance you forgot your wallet but not your phone you might be able to use it to pay for a pack of smokes to finish your day (or whatever), but this is the off chance you simply don't have your card on you. Most people won't want to go through the trouble of setting it all up just for the off chance (and most people won't even think about it that way).
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Old 04-18-2018, 11:02 AM   #5 (permalink)
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Default Re: Why are Mobile Payment services like Apple and Android Pay not as popular as they should be in the UK?

Hello Peter! I also believe that it’s to do with the fact that the UK has a large number of old people! Apart from not knowing how to use such technology, I also believe that they wouldn’t even be interested. Things might get better with the development of such payment options, but right now, I am pretty sure that it’s all still complicated for a large portion of the UK’s population!
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Old 04-24-2018, 03:24 AM   #6 (permalink)
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Default Re: Why are Mobile Payment services like Apple and Android Pay not as popular as they should be in the UK?

I think one reason is that it's not as reliable as Paypal, also there is not many people use it so there is no point that you should.
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Old 04-30-2018, 04:30 AM   #7 (permalink)
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Default Re: Why are Mobile Payment services like Apple and Android Pay not as popular as they should be in the UK?

Okay, so browsing the www I came across this article of a guy bypassing the FRP on his S7 edge... I was trying to find a working method for the T-MOBILE TAB E (sm-t377t) so I tried what the instructions said and FINALLY! I was able to get through... This should work on any model of samsung phones that have the FRP but since I cannot test all the other devices Samsung has created I can only vouch for the Tab E.

http://www.techeligible.com/2018/03/...alaxy-s6-edge/
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