Use it all the time here too in London, buses, tubes (a little laggy with 
iPhone 6) but very convenient and works really well.

If there really is no TouchID on the rumoured iPhone 8, and it's all facial 
recognition, I'm fascinated to see how it's interested - as can't imagine 
how I tap in and out of buses and tubes using my phone and my face at the 
same time?!

Let's see what our favourite engineers in Cupertino come up with!

I read recently that in urban China, there are two 'Apple Pay' equivalents, 
and now most restaurants just take those - cash, bank cards etc are out of 
vogue, apparently. Interesting.


On Wednesday, August 9, 2017 at 10:53:18 AM UTC+1, A C Crooks wrote:
> Sam says; 
> "Am looking forward to ios11 and peer to peer payments too, though I hope 
> Apple doesn't take a cut of those" 
> Of course the banks already have the Payment peer-to-peer system, and 
> PayPal has something similar. Both require both sides to be registered for 
> it to work and I don't think that there has been great take up for these in 
> the UK. 
> In any event I wonder how often we need to make an immediate transfer to 
> someone else? Most electronic transfers get credited the same day, unless 
> the recipient banks are similar to, say, Nationwide in which case it can 
> take 1-3 days to clear. 
> I think it was last year that the clearing banks announced faster clearing 
> of electronic transfers so that by end-2017 these should be completed more 
> or less immediately, certainly less than 24 hours. 
> I'm sure that in the US Apple's peer-to-peer payments will make for a big 
> improvement to the US fragmented banking system. 
> I read that in the early days of the iTunes Store, Apple used to store 
> your micro payments for single track purchases until you spent at least 
> $2:50 in order to minimise bank transfer costs. And if you spent, say, only 
> 99 cents in any six month period they didn't collect your payment at all. 
> Of course, I've no means of verifying if I benefited from this but I do 
> remember that sometimes I would get an email invoice, and my account 
> debited, until I'd bought several tracks over a reasonably long period. 
> Always puzzled me about this so maybe Apple were being altruistic about 
> minimising bank charges. 
> Regards, 
> Tony 
> Sent from my iPad

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