Apple Pay Suica proved that small purchases are the no-brainer starting point for digital wallets. Anybody will use an app, or Apple Pay, to pay for the 3.05 cup of coffee because nobody wants to bother with coins. Nobody uses Apple Pay to purchase a 600 dollar couch.
The real golden uptake path for a digital wallet platform like Apple Pay is when it is matched with a stored value card that includes transit and purchase with points, in short a transit platform. America doesn’t have one yet so the in-app recharge with reward points approach will continue to be more popular than Apple Pay by itself.
(Via Ata Distance)