'I'm Still Waiting for My Phone to Become My Wallet'

Jenna Wortham, writing for The New York Times:

When I complain to friends and colleagues about the inconvenience of fumbling around for my wallet when I’m shopping — and say I wish I could just use my phone instead — they often give me bewildered looks.

Apparently, that’s because paying with a phone today is rarely easier than paying with a credit card. Paying via phone often involves a series of awkward swipes and taps to start the transaction, and the process can be disrupted by spotty wireless connections, low batteries or other electronic hiccups.

Good piece on the problems with the digital wallet.

Despite being bullish about Passbook last year, I’ve mostly moved away from using it to pay for stuff. (I stopped using the Starbucks app to pay for my coffee too.) The concept is cool, but I find it just as easy, if not easier, to just pull out my debit or credit card to pay for most things. I’m very curious as to what Apple has planned to improve Passbook; I’m not giving up on it, but right now it’s a solution in search of a problem.