The headline is "Hardly Anyone Is Using Apple Pay", but the first sentence of the actual article is "Only 20% of people who can use Apple Pay have done so." Tha

The headline is "Hardly Anyone Is Using Apple Pay", but the first sentence of the actual article is "Only 20% of people who can use Apple Pay have done so." That sounds...pretty freaking good? I think of Apple Pay as being mildly successful given how hard it's been for competing systems to get any traction over the last 5 years or so, but I would have guessed that that number was more like 10%. I also consider Android Pay to be mildly successful, but AFAIK it has about the same level (or less?) of popularity and support. It's just fundamentally not the kind of service where the criteria for success is defined by adoption by a plurality of compatible device owners. All of these different payment systems are just struggling to gain traction- over the next couple of years, I would consider "success" for any of them to just be getting enough growth and support to stay alive. Once the market has decided that one or more of these systems gets to stick around long-term, then we can start being disappointed that only a few tens of millions of people are using them.