Apple Pay, is that a good idea?

"The vast majority of physical stores do not accept http://www.aliyun.com/zixun/aggregation/5541.html" >apple Pay, so you may have trouble getting your wallet left at home. "The American consumer says.

While mainland consumers are obsessed with the iPhone6 or 6Plus they have just acquired, American fruit powder is already studying Apple Pay, considered disruptive technology. Consumers are said to have mixed feelings about the first day of Apple's pay launch, and the company's own retail stores, McDonald's, Yum and apple partner businesses can use it, but banks are asking consumers to use Apple Pay for very time-consuming authentication, Discovery, one of America's leading banks, does not even support Apple Pay.

In the jobs era, Apple was a wild horse that ran before everyone, dismissive of the so-called new technology. And today, with all the talk of NFC technology and the industry that pays for it, Apple is starting to take it up and always wants to see what new wines Apple can put in an old bottle.

Sure enough, remember when Apple Pay just released, its business model is surprising, Apple's split from banks and credit card companies, rather than directly to the merchant and consumer fees, it looks like a huge breakthrough. The pattern has changed, but the key depends on whether someone "pays". In fact, retailers have always thought that the rate is very high, in the past, there has been a Wal-Mart sued Visa and a number of banks conspired to illegally ask retailers to pay a high fee for credit card transactions, so to visa claim 5 billion dollars.

Apple pay does not charge businesses, but the pricing power of swipe rates is largely driven by Visa and MasterCard, and the ultimate cost is shared with retailers. Apple's pay "don't charge to the merchant" just turned the conflict around, and the clash between the retailer and the credit card organization--rates were not addressed substantively. If, as the American consumer says, most physical stores are not available, the reason is that hardware is not supported, or that businesses do not accept it.

Wal-Mart and Best Buy are said to have explicitly refused to join Apple's Pay, and dozens of U.S. retail giants, including Wal-Mart, Target and Best Buy, are planning to jointly build a mobile payment network MCX.

The great dream of Apple pay is that it's not easy to make the smart life circle and the industry chain.

Thankfully, the bonuses Mr Jobs has brought to Apple are good enough for Mr Cook and his successors to test.