Why Apple Pay isn’t taking off: A UX perspective.

The Drum asks Why isn’t Apple Pay taking off? in the UK and attempts to answer the question why only 1–2% of card payments are through Apple / Android Pay.

The article quotes the following reason:

As Scott Thompson, insights director at Publicis Media, says: “If you use a card (Oyster or credit/debit) and it doesn’t work, it looks like there is a problem with the card or the reader. Everyone has experienced it, so you get some degree of sympathy. >But if you use a phone (or worse, a watch) and it doesn’t work, you just look like an idiot playing with technology that doesn’t work and getting in everyone’s way.”

Which is probably part of the reason, but not the full reason.

When it comes to improving a user experience you find at the barriers and look at how to overcome them. If your product offsets the setup effort involved with either a reward or removal of pain, then it’s more likely to succeed.

So for Apple pay:

  1. Set up on the phone takes time to do, only a few minutes per card but it takes time and effort.
  2. There are very few contexts or situations when you’d think “I’ll set up Apple pay” or “This would be easier if I could pay on my phone”.
  3. There is no compelling reason to set up Apple pay. After all contactless payment in the UK work really well. As does the US quick signature.

For Apple Pay to gain greater traction there need to be a reason to overcome that setup friction. Think discounts, competitions or rewards (not very Apple things to do). Apple only prompts you to add Apple Pay at phone set up, and Apple ask you a lot at phone set up.

So in conclusion, the current contactless system works well, it’s an effort to set up Apple pay and for no real reward or removal of a pain point.

Originally published at Joe Leech.