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Saturday, June 29, 2019

Apple Pay in the UAE | First Hand

Apple Pay in the UAE | First Hand


photo credits to APPLE

Time Flies So....Fast

As the year goes by, Digital Mobile Payment is on the cloud-nine now, where else the traditional mode of payment does still exist- cash.  Yeah, Right. It's a bit hefty to carry cash along with you. Especially coins.

Living in the most advanced and technological country- The United Arab Emirates, Technology rises fast. From un-manned operating metro network to automated self driverless cars. And now, Digital mobile payments.

When, Where and Why?


Apple Pay launched in the UAE, 2 years ago. And it seems that most of the consumers are now adopting from this mode of payment. As Apple's marketing campaign seems promising too.

 I'm working in retail and I do handle cashiering as well, So what I notice was, out of ten customers, 3 or 4 of them uses this mode of payment rather than taking out their credit or debit card.

Several UAE banks are available since the day that Apple launches the digital wallet in the region.
Some banks in the UAE can be found on this list and merchants as well.

This year, I transition to another bank with which Apple Pay is available.
And I was able to enjoy to use this feature on my device. Paying at restaurants or coffee shops.

What is Apple Pay? 



So for those people who are new to the Apple Ecosystem. What is Apple Pay?
-Well, it's a contactless payment technology exclusive only for the Apple devices such as iPad, selected Macbooks and newer iPhone devices, starting from the iPhone 6 and Apple Watch as well.

It allows you not to carry along with you, your credit or debit card. Instead, it was designed to move consumers from the physical wallet and where your debit or credit card is inside your iPhone or Apple watch, allowing to pay using your device in a most secured way.

Extras..

You can track your expenses as well, by browsing on the built-in Apple Pay Application below (formerly Apple Wallet). It does store your boarding pass and hotel bookings as well.

I bought some Chinese and Filipino food, so it stores all the details, think about digital receipt same as the receipt printed on the terminal.




Which cards support Apple Pay?

It does support most of the major credit and debit card providers like Visa, Mastercard, and American Express. You can check more information on this list.

Is it safe to use? 

Well, When it comes about money, we want to make sure that all of the funds on our bank accounts are secured. Totally, that no one can hack.  As Apple promised, Safety is their first priority to the consumers.  So they are taking it seriously especially if money is involved.
Technically saying, The Apple Pay uses a "token based system" placing your finger on the touch id or by scanning your face via face id, It allows the transaction to go through, but payment and personal information are kept safe in case you lost or your phone is stolen.

And also, iOS devices has its own "Device Account Manager" wherein it encrypts all the data within the chip of the device. So to make it short, When you make a payment using Apple Pay, It does not share the actual debit or credit card number to the merchant, thus it passed thru a transaction dynamic security code. So yeah, Secured and safe.


What about the experience?


Personally, I'm not biased with Apple. I've been to the ecosystem of Apple for a long time,  Though, there are some pros and cons when using digital wallet payment. Not only for Apple but also from its counterparts like Android Pay (former Google Wallet) and Samsung Pay, not all merchants support Apple Pay. On this era, There are still a lot of things to prioritize. Little by little, society will accept this kind of transition. Not now, Not later but in the near future.  For Me, I am totally satisfied with this type of service, and it keeps me fascinated about all these things that Apple introduced. They are not the first hand to introduce this type of service, Paypal did this a long time but as time passes by, It is not the first who made this payment rather its all about the experience that the user can gain from the brand. Which I totally enjoy since the beginning.


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--Ceddy













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