Mobile Payment, A Beginner’s Blueprint

NFC reader for Mobile Payment

NFC reader for Mobile Payment Credit: Bryan Thomas

Two giants, forced into an infancy stage. If you are the kind of person like myself, you hate carrying around cash and won’t even get started with coins. The future’s looking bright, as technology seems to advance in every aspect, I highly urge you to join the Mobile Payment movement with Google, Apple and me. In this day and age, people want things done in the speed of light. I am no different, I would imagine most people growing up in today’s society would agree with me or are just like me. I remember when having a quarter in my possession was the best thing that could ever happen to me. However, it’s not the 90s anymore. My history with Mobile Payment has been short, but in my opinion it has the potential to be something amazing.

Google Wallet

My experience with Google Wallet has been glorious over my 1 ½ years of ownership. Although I am restricted to only its app, since I am an iPhone user. It has many strong features that many people could take advantage of regardless of phone type.

One of the primary reasons I use Google Wallet is to cap the amount of money I spend. Since it is impossible to overdraft when using Google Wallet, transactions are declined instead. I limit my spending by manually transferring money from my bank account to my wallet. For example, it’s a Friday night, somehow you end up at that bar downtown your friends can’t get enough of, but I know in my head I only want to spend $30. That being said, all one would need is an ID and Google Wallet that night.

I have used that method for not only bars, but other services as well. Such as music streaming apps, Wall Street Journal subscription, premium LinkedIn account and yes, even a gym membership. There are probably more that I have yet to encounter which is the wonderful part.

Apple Pay

At first, Apple Pay was only available to six major banks across the United States. When US Bank announced that they collaborated with Apple Pay I was ecstatic. I had my iPhone 6 plus and I was going to pay with my phone. I’m going to be the coolest guy on the block, but then I realized NFC (Near Field Communication) readers need to be intact in order for this to work. Walgreens was the only place in small, but great town of Hastings, Nebraska that offered this.

I had a hard time recovering after that, luckily, I do get out every once in awhile. I was at Panera Bread on the way to Omaha for Christmas break. When I had finally made my very first Mobile Payment, it was like driving for the very first time. Where do I press? Am I pressing hard enough? Is my phone going to be okay? I do have to admit I struggled mightily, I held up the line after I couldn’t figure out the whole process behind the payment. Helpful hint, ask for help before making your first payment. Otherwise, you get weird looks. Even the cashier had a surprising look after what just had happened. Then it hit me, I realized that this Mobile Payment movement was going to be a developing process and I just so happened to be at the start of it.

Looking back to that very moment, Mobile Payment has grown tremendously. In the first half of this year alone, the following announcements have been made:

The general public forget that Mobile Payment hasn’t been around all too long. Just like the itty-bitty baby it is, it will cause people grief and some growing pains here and there. However, in my opinion, Mobile Payment one day will mature and be a serious presence in this world. Five to ten years from now, who knows. Many people forget it is an evolution, not a revolution.

Mobile Payment Pros and Cons

Above: An amusing analysis of what I believe are the major pros and cons of each system:

Author: David Torres

He is a content marketing intern for B2 Interactive a digital marketing agency in Omaha, NE. He graduated with a Bachelor of Arts in Marketing and Sports Management from Hastings College in Nebraska. FUN FACT: Futbol Aficionado For more information, contact

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