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A Finextra member
A Finextra member 26 June, 2015, 12:25Be the first to give this comment the thumbs up 0 likes

Excellent Post, Security is first thing when it comes to mobile payments and the way apple handles it, its very commendable it approach to the secure element is a physical chip, which is only available in the iPhone 6 and 6 Plus. Each time a user initiates a transaction, the SE assists in generating a random, one-time use code in lieu of transmitting the user's debit or credit card number. After hearing about Apple Pay, it slowly penetrated people brain/mind and I also thought I might be able to do the same thing with my Note 3. I don’t know what’s the magic behind Apple’s appeal, but it sure does draw and retain a significant user base, and apparently very loyal ones too. There seems to be a lack of advertising this feature; I'm not sure why.  Maybe now that Apple, Android & Samsung is going to bring it to billions. 

Charmaine Oak

Charmaine Oak

Co-Founder/Director

Shift Thought Ltd

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This post is from a series of posts in the group:

Innovation in Financial Services

A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.


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