1. Security. Lose your
wallet, and someone will be able to take your credit cards, forcing you to get new cards and put through fraud activity. Lose your phone, and they cannot access your cards without your fingerprint.
2. Convenience. It is
easier to move a phone towards a payment reader and use a fingerprint to pay
then to take out a wallet and remove a credit card. Swipe and put everything
back. Let’s be honest, your phone was probably already in your hand while you
waited on line. Just leave it there.
3. Receipts. Never worry
about the annoying paper receipts that end up in your pocketbook or pants
pocket only to be thrown out later on. The Apple Pay app keeps your payments
listed neatly under each card. So you can quickly check whether the charge was
correct or not. Without logging on to your bank I might add.
Receipts neatly featured within Apple Pay.
With these
features in mind, let me describe a situation where Apple Pay benefits consumers beyond just convenience. It will also make us healthier. Here's how.
I began
my use of Apple Pay by purchasing breakfast at Duane Reade. Some mornings I
will grab an orange juice, banana, yogurt or some combination and head to the
register, where, instead of taking out my wallet, fishing out a credit card or
cash, I simply take out my phone, click passbook and hold it up to the reader.
My phone buzzes and prompts me to verify payment with a fingerprint
scan. A split second later, the transaction is complete. Afterwards, a
notification tells me that the payment was processed and I now have a mobile
receipt on my Iphone. Simple enough, but what if the items I purchased were
instantly integrated into the health kit application. So the vitamin content,
sugar content, caloric content is all seamlessly recorded in my personal
account. People today looking to keep track of what they eat and drink must
manually select each item, at the most they can hope to scan a barcode and have
it enter, which is what FitBit’s app achieves. However, that is cumbersome and
annoying, especially for those in a rush. With this setup, each mobile device
user will have an entire history of their nutritional intake in the health kid
app. Doctors will be able to pull up the profile of a patient and get a clear
picture of their habits. Researchers will be better able to discern what diets
and what foods cause disease. Or what foods and drinks prevent disease.
It is obvious mobile payments are going to become more and more prominent in the future. A small convenience can go a long way for consumers. However, the real takeaway so far is this thought of how to interconnect mobile payments and the health kit. That sounds like a healthier future for everyone, as each person is better able to understand what they are eating and can speak to the doctor about how their diet effects them. Not to mention the enormous amount of data this will provide medical staff, making it much easier to correlate factors that may cause various diseases. Mobile data and new technologies will revolutionize healthcare, how many times have we heard that? Every day it becomes clearer that this will indeed become a reality.
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