That is what you get when you start working on an article looking for a headline instead of digging in the facts. Apple Pay (or Google Pay or Samsung Pay) are

That is what you get when you start working on an article looking for a headline instead of digging in the facts. Apple Pay (or Google Pay or Samsung Pay) are far from being a mainstream phenomenon but I see a lot of pretty happy users once they discover them. It will take time, but I don't think the situation is as dire as the headline implies.