> Why should have to install another app just to make checkout easier? You shouldn't. Credit cards are broken. From the user perspective Apple Pay is just as b

> Why should have to install another app just to make checkout easier? You shouldn't. Credit cards are broken. From the user perspective Apple Pay is just as broken (you need to buy an iPhone/Mac and fiddle with both of them). From the merchant/bank perspective it may or may not help fraud rates but as a consumer I don't care unless they start offering discounts. > You're sacrificing security for convenience when you can have both. I'm sacrificing the bank/merchant's security (worth $0 to me) in order to gain convenience for myself. If they want me to jump through hoops like this Apple Pay thing to prove I'm not a fraudster they should give me a discount.