移动支付在商贸和购物领域仍然是个新鲜事物。产业研究公司eMarketer的数据显示,2013年美国的近距离移动支付总额为16亿美元。相比当年实体商铺内支付总额的4.26万亿美元只是个零头。
And while many industry experts expect mobile payments to rise over the next five years, there is no guarantee that consumers will find mobile wallets any more convenient than paying with cash or a credit card. Google’s payments product, Google Wallet, famously flopped after its introduction in 2011. PayPal’s mobile wallet options have failed to truly catch on as well.
虽然很多业界专家预计移动支付在未来五年里会有增长,但消费者是否会认为移动钱包比现金或信用卡更便利,却很难说。谷歌(Google)在2011年推出的支付产品Google Wallet是个著名的失败案例。贝宝(PayPal)的移动钱包方案也没能真正普及起来。
Still, many say they believe that if any company is able to widely influence consumer behavior, it’s Apple. And if that is the case, MCX may have picked the wrong mobile wallet to back.
不过,很多人还是认为,如果说有什么公司能对消费行为产生深远影响的话,那就是苹果了。如果真是如此,MCX可能支持了一个错误的移动钱包。
“When these contracts were signed several years ago, no one knew about Apple Pay, or what mobile wallets were going to look like,” Ms. Webster said. “It just didn’t have the same sort of consumer froth around it.”
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