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Quite a bit of this activity is concentrated in the City of London.

With a population of 8.5 million (roughly the size of New York) and 3 million daily commuters, getting a critical mass of retailers and consumers is a bit less daunting.

If only 3 percent of those who bought i Phone 6/6S did so because Apple Pay could be used with it, it’s only logical that the next wave of i Phone customers wouldn’t be driven to that feature either. and Australia have in common, besides people with cool accents?

Here too, you don’t need many fingers and toes to total up the issuers and merchant acquirers who serve the market.But that’s not the most interesting (we think) or disturbing (if you’re on the Apple Pay team) takeaway.One can easily explain away the drop in usage as owing to the flattening of the adoption curve as more people buy i Phone 6/6S models. show that one in 10 card transactions are now contactless.Nearly 10 percent of all domestic transactions are contactless now and said to be growing at the rate of 1 percent a month. that’s now the main way to pay by tapping/waving since issuers pretty much abandoned contactless cards after a massive push and corresponding flail years ago. So, perhaps not surprisingly, the hot-off-the-presses stats that we released last Thursday at Innovation Project 2016 painted a very different picture of the relationship between contactless payments and the U. Apple Pay is the mobile wallet that’s been in the U. market the longest – launched in September of 2014 to much fanfare — and uses NFC technology as its enabling technology.Yet, that’s what the consumer is being asked to do in the U. Consumers are being asked to download a mobile wallet. Then remember to use that wallet when they go into a physical store.At the still relatively small number of places that today enable contactless transactions. – as I have said many times before – constraining both the supply side and the demand side of the market.In other words, a small number of people today have a small number of places to use their mobile wallets. And even as easy as we’ve made the downloading of the mobile wallet app and the provisioning of the card, having to pull out a phone to pay at the tiny number of places today in the U. that enable contactless adds just way too much friction for the consumer.But what doesn’t is reverting to the form factor that they know is accepted everywhere: the plastic card or cash.Which explains why Starbucks’ mobile wallet is crushing it at 22 percent of all transactions.Consumers visit Starbucks every day – maybe even multiple times a day.


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