How Apple Pay works in the UK
Posted December 13, 2019 11:04:49The UK has one of the most advanced mobile payments systems in the world, but it hasn’t quite figured out how to make it work across the whole of the UK.
Apple Pay, as it’s now known, is one of two payment methods that works across the country, but in the short term it will be difficult to make a seamless transition to the system in the long term.
In a report by AppleInsider, a research team from IDC has found that the UK’s mobile payment system is more complicated to use than it looks.
While there are many ways to make mobile payments work across multiple countries, this report suggests that in the United Kingdom, the most important aspect is the technology that makes the payment system work.
The report, entitled Mobile Payment Infrastructure and Its Challenges in the U.K., notes that Apple Pay is “an evolving payment system that has been in development for several years and has not been widely adopted across the UK.”
It’s not as simple as a smartphone app, according to the report, and the company’s implementation is “not always intuitive or efficient.”
The report notes that the “basic user interface is not standardized across the market” and the “complexity of the technology stack and its dependencies” make it hard to quickly deploy.
“The adoption of Apple Pay in the marketplace will be a challenge, but the potential impact of adoption on the UK consumer spending habits will be huge,” it said.
It also found that “many consumers are unsure about Apple Pay’s features and will therefore opt to use third-party payment solutions rather than using their own bank account.”
The technology in use in the US and Canada has a similar problem.
Apple Pay has been around for several months now, and it’s been widely embraced by consumers and merchants alike.
But the US doesn’t use the same payment system, which has seen adoption in the market decrease, but also the need for a system that works well across the entire country.
According to IDC, Apple Pay has “slightly lower transaction volume than the U-Pay system in Canada, but substantially higher revenue growth compared to U-pay and the US market.”
Apple has been working to integrate with the UK system since the beginning of the year, but there are still a lot of barriers that need to be overcome in order for the system to work.
The UK’s payment system has been beset with challenges in the past, but now, with the release of Apple’s next mobile OS, it may not be too far away from a seamless rollout to the UK, according IDC.
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