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    Why Apple Pay Is Fizzling and What It Means for the Future of Mobile Payments

    Why Apple Pay Is Fizzling and What It Means for the Future of Mobile Payments

    “When he rolls into a gas station to fill his tank, [Jack] doesn’t get out of his car. He punches a few buttons on his cellphone and within seconds he has paid for the fuel. With the same quick keystrokes on his phone, he pays for virtually everything he needs: groceries at the supermarket, a few oranges from a market stall, a shoeshine on the street, a cup of [coffee] from a café…. [T]he future has arrived: cash is disappearing, credit cards are unnecessary, and daily shopping is speedy and digital. Almost every merchant, even hawkers on the street, accepts payment by cellphone. It’s an innovation that could transform the continent…. ‘I don’t even carry money any more,’ says Bob.”

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