Bincike na baya-bayan nan ya nuna cewa Apple Pay, sabis na biyan kuɗi ta wayar hannu da Apple Inc ya ƙaddamar a cikin 2014, ya zarce Mastercard a darajar dala na mu'amalar shekara-shekara. Dangane da shahara, Apple Pay yanzu yana matsayi na biyu a bayan Visa. Koyaya, tare da ma'amaloli da suka kai dala tiriliyan 6 a shekara, Apple Pay yana da wata hanyar da za ta bi don ƙalubalantar ikon Visa, wanda ke aiwatar da jimlar dala tiriliyan 10 a cikin ma'amaloli a shekara.
Girman shaharar sayayya ta wayar hannu
A bayyane yake cewa Apple Pay yana cin gajiyar haɓakar sayayya ta wayar hannu, tare da yawancin masu amfani da wayar hannu suna amfani da wayoyin hannu don siyan kayayyaki da ayyuka. Amfani da Apple Pay a Burtaniya ya yadu, kuma ta fuskar shiga kasuwa, hanyar biyan kudi ta wuce Amurka. Koyaya, dalili ɗaya na wannan shine rashin zaɓuɓɓukan biyan kuɗi ta wayar hannu da ake samu a Burtaniya, yayin da Apple Pay ke fuskantar ƙaƙƙarfan yanayin kasuwa tare da kasancewar masu samarwa kamar Venmo da Zelle da ke aiki a Amurka.
Wani dalili mai yiwuwa na karuwar amfani da Apple Pay shine amfani da dacewa. Yana aiki ba tare da katunan jiki ba kuma ana iya amfani dashi a cikin shagunan jiki da kuma ayyukan kan layi kuma an riga an gina shi cikin na'urorin Apple kamar iPhones, Apple Watches, kwamfutocin Mac, da iPads.
Wani fa'idar ita ce Apple Pay yana amfani da kariyar da aka gina ta iPhones, wanda ke ƙara ƙarin tsaro. Bugu da kari, lokacin da ake yin sayayya ta amfani da Apple Pay, ana amfani da takamaiman lambar na'ura da lambar mu'amala ta musamman. Wannan yana nufin ba a adana lambobin kiredit ko katin zare kudi akan na'urar. Ƙarin bayanin sirrin shine bayanin ma'amala da aka ƙirƙira lokacin amfani da Apple Pay ba a adana shi ta hanyoyin biyan kuɗi.
Koyaya, a wasu ƙungiyoyin shekaru, sauran hanyoyin biyan kuɗi sun fi shahara fiye da Apple Pay. Tare da kawai kashi 11% na ƙungiyar sama da shekaru 65 da suka yi rajista masu amfani da biyan kuɗi ta wayar hannu, wannan yana nufin cewa biyan kuɗi kamar zare-zaren kai tsaye don biyan kuɗi da harajin majalisa, waɗanda galibi ana saita su kuma ana barin su don gudanar da shekaru da yawa, sun fi shahara fiye da Apple Pay.
Shahararriyar Apple Pay ya sa aka shigar da shi a wuraren da har yanzu katunan zare kudi ke da rinjaye. A cikin masana'antar gidan caca ta kan layi, Apple Pay a halin yanzu yana samuwa azaman zaɓi na biyan kuɗi na 70% na casinos. Daga cikin rare gidan caca hanyoyin ajiya, katunan zare kudi sun kasance mafi shahara, tare da ɗaukar hoto na duniya azaman zaɓi na biyan kuɗi. Duk da yake kasancewa babban zaɓi na biyan dillalan dillali, PayPal yana samun raguwar riba kuma a halin yanzu ana samunsa a kusan kashi 60% na casinos.
Motsawa zuwa gaba
Apple Pay, tare da abokan hamayyarsa PayPal da Google Pay, suma suna sauƙaƙe siyan cryptocurrency, ƙirƙirar ƙarin yanki na ci gaba wanda ke haɓaka cikin shahara. Haɗe tare da haɓakar mallakar wayoyin hannu waɗanda ke ba da izini biya ta hanyar iOS da Android wayoyi, wannan yana yiwuwa ya ba da gudummawa ga ƙarin haɓaka.
A nan gaba, ana iya samun ƙarin haɓakar amfani da Apple Pay, duka kan layi da layi, tare da 60% na mazauna Burtaniya suna amfani da tsarin biyan kuɗi a cikin shago ko gidan abinci a cikin shekara daga Agusta 2020 zuwa Agusta 2021. Tabbas, Apple baya tsayawa har yanzu idan ana maganar saka hannun jari a sabbin samfuran kuɗi. An misalta girman burin kamfanin ta hanyar haɗin gwiwa tare da bankin zuba jari na duniya Goldman Sachs, wanda zai haifar da Apple. bayar da asusun ajiyar kuɗi mai yawan amfanin ƙasa ga masu amfani da shi.
Apple Pay kuma yana sha'awar tsokar hanyarsa zuwa ga riba saya yanzu, biya kasuwa daga baya, tare da Apple Pay Daga baya an shirya shiga kasuwar Burtaniya bayan nasarar ƙaddamarwa a Amurka.
Yayin da yawan masu amfani da wayoyin hannu ke ƙaruwa, wannan yana ba da babbar dama don haɓaka hanyoyin biyan kuɗi kamar Apple Pay. Wataƙila wannan zai ci gaba tare da mafi girman kaso na masu amfani da biyan kuɗi ta wayar hannu a cikin ƙungiyar masu shekaru 18-36 da ake nema.
