In 2014, Apple's most innovative product was not a big-screen mobile phone that mimicked Samsung Electronics, but an Apple payment that integrated hardware security. At the Apple Financial Analyst Conference, CEO Cook also showed good results for the business. Apple said that since its inception in October last year, the three major credit card companies in Visa, MasterCard and American Express have adopted the scale of contactless mobile payment (including NFC, but not including mobile card readers). ), Apple payments have accounted for two-thirds. However, in Apple’s earnings report, Apple did not separately list the financial data of Apple’s payment business. Visa, MasterCard and American Express are also the largest credit card companies in the United States. Apple’s share of the three companies’ payments is largely reflected in the overall market share in the United States. Although Apple does not separately list the income and profits of Apple's payment business, some analysts said that Apple's future prospects are broad and are still in the early stages of development. Apple does not expect it to bring real money now. Colin Gillis, an analyst at BGC, which has long been concerned about Apple, said that Apple's payment is not yet able to bring "substantial revenue" to Apple. He revealed that according to the cooperation agreement between Apple and the credit card company industry, for every $100 paid by iPhone users, Apple's handling fee from the credit card company is only 15 cents, or 0.15%. According to US media estimates, if Apple pays to account for 1% of Apple's quarterly revenue, payment users must "brush off" $451 billion with Apple phones. At present, the credit card fee charged by the US credit card company to the merchant is about 3%. Apple payment will not charge the merchant or the consumer. The business model is to share a part of the handling fee with the credit card company. At the analyst's earnings conference, Cook also disclosed some progress in Apple's payment business, and currently supports 750 banks and credit card alliance credit cards. Cook said that in addition to shopping malls and other supermarkets, the United States' 200,000 distributed payment terminals have also supported Apple's payment, including parking lots, automatic washing machine payments, and vending machine payments. In these areas, Apple has established a partnership with the company "USATechnology". Cook said: "We are even more convinced that 2015 will be the 'Apple payment year'". However, it should be pointed out that in the overall mobile payment market, Apple Payment is still a "late generation". In the US market, PayPal is the leader who is far ahead, monopolizing two-thirds, and Apple's payment is not in a grade. The rest of Google Wallet, Square, and SoftCard in the mobile communications industry are all worried that Apple will pay more. It is reported that the mainstream payment of PayPal is not a non-contact method, users pay through their APP and account, and the payment scale is still very impressive.
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Apple: Apple Pay accounts for 2/3 of US contactless payments