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支付不能承受之輕——Apple Pay使用初體驗(yàn)

支付不能承受之輕——Apple Pay使用初體驗(yàn)

Jason Cipriani 2014年10月31日
《財(cái)富》作者Jason Cipriani:我剛剛用Apple Pay進(jìn)行了人生中的“處女付”,結(jié)果一切發(fā)生太快,我都沒(méi)來(lái)得及對(duì)收銀員說(shuō)出我排練了很久的臺(tái)詞??偠灾胕Phone付款太簡(jiǎn)單了。直到收到小票,放回錢(qián)包,我才如夢(mèng)初醒。

????第二天,我在快餐連鎖店P(guān)anera Bread就餐,發(fā)現(xiàn)該公司在大肆宣傳可接受Apple Pay付款。我走進(jìn)店里,看見(jiàn)三臺(tái)收銀機(jī)貼上了接受無(wú)接觸式付款的標(biāo)志,不禁心里歡騰了一下!排隊(duì)的時(shí)候,我不停在腦海里演練著如何操作。我需不需要跟收銀員提前打個(gè)招呼?還是說(shuō)裝作很熟練地直接把手機(jī)放在簽名板上(它同時(shí)可用作Apple Pay近場(chǎng)通訊技術(shù)的閱讀器)?以后買(mǎi)單的時(shí)候,我還會(huì)這么緊張嗎?

????終于輪到我了。我把手機(jī)舉到簽名板上面,看到iPhone的屏幕閃出了我的銀行卡圖片,然后又變黑了。完事了。我剛剛用Apple Pay進(jìn)行了人生中的“處女付”,結(jié)果一切發(fā)生太快,我都沒(méi)來(lái)得及對(duì)收銀員說(shuō)出我排練了很久的臺(tái)詞??偠灾?,用iPhone付款太簡(jiǎn)單了。直到收到小票,放回錢(qián)包,我才如夢(mèng)初醒。

????于是,這周我試著在所有買(mǎi)單的場(chǎng)合用Apple Pay付款。由于住在遠(yuǎn)離大都市的偏遠(yuǎn)小鎮(zhèn),我已經(jīng)習(xí)慣了當(dāng)?shù)氐纳虘?hù)總是在技術(shù)上落后半拍。我曾經(jīng)希望Apple Pay是一個(gè)例外??上?,結(jié)果卻并非如我所愿。兩周后,我們當(dāng)?shù)氐纳虘?hù)還是沒(méi)有半點(diǎn)動(dòng)靜,就和以前一樣。

????當(dāng)然,我們不能奢望移動(dòng)支付一夜間普及,甚至未來(lái)幾個(gè)月都可能實(shí)現(xiàn)不了這一點(diǎn)。Apple Pay的問(wèn)世也許比它的前輩們更轟動(dòng)一時(shí),但整個(gè)行業(yè)還有很長(zhǎng)的路要走。一些零售商在結(jié)賬臺(tái)禁用近場(chǎng)通訊閱讀器,使得Apple Pay無(wú)法發(fā)揮作用,這種做法頗值得玩味。谷歌錢(qián)包(Google Wallet)幾年前就已問(wèn)世,而這些零售商也一直無(wú)動(dòng)于衷。Apple Pay似乎正在取得突破,但另一方面,零售商們正在為那些希望用數(shù)字渠道支付的消費(fèi)者設(shè)置新的障礙。

????順便提一下,我僅有的兩筆Apple Pay支付記錄中的另一筆是在麥當(dāng)勞。我?guī)е⒆觽內(nèi)ベI(mǎi)冰激凌,收銀員和孩子們都沒(méi)在意我是怎么付款的,或許連我自己也不應(yīng)當(dāng)(對(duì)怎么付款)大驚小怪—— 又或,這才是問(wèn)題所在。(財(cái)富中文網(wǎng))

????The next day I made a stop at Panera Bread, the national fast casual food chain, where it is widely advertised that Apple Pay is accepted. I walked into the store and noticed three cash registers affixed with signs stating that they were contact-less payment ready. Jackpot! Waiting in line, I rehearsed in my head how the transaction play out. Do I tell the clerk what I’m doing? Or do I just just hold my phone over the signature pad (which doubles as a reader of near-field communications technology, the tech at work with Apple Pay) as if this is something I’ve done my entire life? Will the future always be the source of so much anxiety?

????It came time for me to pay. I held my phone above the signature pad and watched as my iPhone’s screen flashed with a picture of my card and then went black. That was it. I had just made my first payment with Apple Pay and it happened so fast I didn’t even have time to have one of my rehearsed conversations with the clerk. If nothing else, paying with my iPhone was too easy. My amazement was interrupted as I was handed a paper receipt to place in my wallet.

????I tried to use Apple Pay at every point of purchase for the rest of the week. Living outside of a major metropolitan area, I’ve grown accustomed to local businesses being behind the technological curve. I hoped Apple Pay would be different. Alas, that’s not the case. Two weeks later, my local businesses are no closer to embracing the future as they had been.

????The shift to mobile payments isn’t something that’s going to happen overnight, of course. It won’t even happen over the course of a few months. Apple Pay has arguably made a bigger splash its predecessors, but there’s more work to be done across the entire field. The fact that retailers are disabling NFC readers at the checkout stand—which renders Apple Pay useless—speaks volumes when you consider Google Wallet has been around for a few years and those same retailers never batted an eye at customers using it. On the one hand, Apple Pay seems to be breaking through. On the other, retailers are creating new roadblocks for consumers who want to pay using digital means.

????The only other transaction I was able to use Apple Pay for, by the way, was at McDonald’s. I took my kids out for some ice cream. Neither the clerk nor my kids cared how I paid for the tasty treat. Perhaps neither should I—and perhaps that’s the point.

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