Owen Thomas says, “I know, I know. We’re all supposed to be celebrating the miracle of Apple Pay right now. That’s too bad.

After conducting several transactions with Apple’s new payments service, my conclusion is that Apple Pay makes the same mistake that several past attempts at reinventing payments made: It doesn’t solve any real problems for consumers.

Problem No. 1: Getting Set Up

To use Apple Pay to pay in stores, you need an iPhone 6 or 6 Plus that’s been upgraded to iOS 8.1. There are many reasons you might not want to upgrade to 8.1—but you have no choice if you want to use Apple Pay”.

Apple Pay: I’m Not Impressed


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