Using your debit card to pay is convenient, but it can also mean you spend more is, I believe, a sentiment that was passed around when cards started being widely accepted.
Using your phone to pay is convenient, but it can also mean you spend more
Submitted 7 months ago by boem@lemmy.world to technology@lemmy.world
https://www.npr.org/2024/04/07/1241841908/apple-pay-phone-credit-spending-frictionless-payments
Comments
june@lemmy.world 7 months ago
Halosheep@lemm.ee 7 months ago
I expected this to be compared to cash payments but it’s compared to debit/credit card payment methods as well. I often feel like it’s easier to spend cash because it doesn’t feel like real money if I don’t see my bank account go down, lol.
umbrella@lemmy.ml 7 months ago
so does credit cards.
im somewhat glad my banking apps are annoying on my rooted phone though.
ma11en@lemmy.world 7 months ago
I find the opposite, if I have cash in my pocket it wants to be spent asap, usually on chocolate.
OpticalMoose@discuss.tchncs.de 7 months ago
Using a phone sounds inconvenient to me. I usually just pull my card out of my wallet, wave it over the terminal until I hear a beep and that’s it. Worst case scenario, I have to insert it into the chip reader or God-forbid swipe it through the slot like some kind of Neanderthal.
I’m kidding, but seriously, that’s easier than screwing around with a phone, to me.
GamingChairModel@lemmy.world 7 months ago
I don’t understand how retrieving a phone from a pocket is somehow less convenient than retrieving a wallet from a pocket, and then retrieving the card from the wallet. That’s 1 step versus 2 steps.
tmsbrdrs@vis.social 7 months ago
@GamingChairModel
Unlocking the phone can take a bit longer. I use my watch, which is just as inconvenient but at least I don't have to reach for anything.
@OpticalMoose
abhibeckert@lemmy.world 7 months ago
The convenience comes from leaving your wallet at home. Also, a stolen card is a major problem. Stolen phone is fine as long as they don’t know your pin.
kirklennon@kbin.social 7 months ago
The phone has advantages in that it’s more secure (because you’re not giving the merchant your real card number so when they inevitably have a hack, you don’t need to get your card replaced), and that you can carry multiple cards without taking up any extra space. Also, most people are playing on their phones while they wait to check out so it’s already in their hand.
june@lemmy.world 7 months ago
I double click my power button and Apple Pay is there. Way more convenient for me than to pull my wallet out of my purse, pull my card out, wave or insert it, put it back in the wallet, and put the wallet back in my purse.
OpticalMoose@discuss.tchncs.de 7 months ago
I guess “It’s not for everyone” is the real takeaway here. I’m not a phone guy in general, but I’ve been using cards since BK was still selling 99¢ Whoppers. I’m guessing both of us are ready to pay before the cashier has our order rung up.
To each their own. (I’m finally admitting that I’m fighting a losing battle on writing checks though.)
erwan@lemmy.ml 7 months ago
At least on my country contactless with a card only works up to a limit (€50). Beyond that amount you need to input your pin code.
With a phone, no pin code. With a smartwatch either, and that’s my preferred way. No need to pull anything out of my pocket.
umami_wasbi@lemmy.ml 7 months ago
Using the phone payment is a convenient to me as I don’t have to remember the PIN.
Reddfugee42@lemmy.world 7 months ago
Samsung here. I pull my phone out of my pocket and without turning on the screen, slide my thumb along the bottom of the screen. Actually faster than pulling cash out of my wallet.