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14-Aug-2017 14:41

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The only business in my Brooklyn neighborhood that took Apple Pay or Android Pay was a cafe where a large iced coffee runs upwards of ; globally, most of the businesses that have signed on as Apple Pay partners are large national chains like Jamba Juice, Pep Boys, Best Buy, and Macy’s. It wouldn’t be all that hard to live a fully functional — if possibly boring — cash-free consumer life by tapping and swiping the proprietary apps of our nation’s biggest stores.Partially for this reason, the primary way most Americans are currently experiencing the great fintech boom isn’t through Apple or Android Pay at all, but through proprietary payment apps from chains such as Target, Walmart, and Starbucks — as of last October, an astonishing 1 in 5 of all Starbucks transactions in the U. If that doesn’t feel revolutionary or particularly futuristic, it’s because it’s not really meant to.In 2014, Americans spent more than .68 billion using tap-to-pay tech, according to e Marketer. I was here because I wanted to see the future of money.In 2015, that number was .71 billion, and in 2019, it’s projected to hit 0.45 billion. But really, I just wanted to pay for some shit with a microchip in my hand.And because you have to eat and drink, Seamless, Drizly, Foodler, Saucey, Waitress, Munchery, and Sprig. This isn’t lost on Bryan Yeager, a senior analyst who covers payments for e Marketer.“This kind of piecemeal fragmentation is probably one of the biggest inhibitors out there,” he said.

“The power of payments and the future of these programs is in the data they generate.” Imagine this future: Every day you go to Starbucks before work because it’s right near your house. According to him, Starbucks is just hurting its margins by giving you something you’d already be buying.Microsoft also announced today that it will be selling a standalone Xbox One without the Kinect for 9 — about 0 less than the current bundle.It’s the dead of winter in Stockholm and I’m sitting in a very small room inside the very inaptly named Calm Body Modification clinic.Then don’t forget the lesser-knowns: Dwolla, Tilt, Tab, Level Up, SEQR, Popmoney, P2P Payments, and Flint.

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Then you might as well embrace the cryptocurrency of the future, bitcoin, by downloading Circle, Breadwallet, Coinbase, Fold, Gliph, Xapo, and Blockchain.As I made my way past a row of stainless steel ovens, I watched the patrons in front of me grab their glistening slices while wordlessly forking over mangled bills, as has been our country’s custom for a century and a half.