Apple Pay UK Launch – Your New Mobile Wallet
Earlier this morning the UK was introduced to the Apple Pay service, much anticipated following the launch of Apple Pay in the US in October 2014. This service allows iPhone 6, 6 Plus and Apple Watch users to pay at select retailers for their purchases wirelessly, using their devices. Payments can be made up to £20 for a single transaction (much like contactless payment credit/debit cards currently). With Apple Pay you gain an extra layer of security compared to standard contactless payment methods as it uses the iPhone’s Touch ID for confirmation of payment. It will certainly be interesting to see how the UK market adopts this new form of mobile purchasing. Two of the major banks seem to have dropped the ball, resulting in some not so happy customers taking to Twitter to complain and
question why they have missed out on one of the most exciting strides forward in mobile banking in years. Barclays issued a tweet this morning saying that it will be joining Apple Pay in the future, which despite being a promising step, resulted in a huge backlash of angry customers threatening to switch to other banks offering this service as of today, rather than a inconclusive date ‘in the future’ – which essentially means that Barclays is months behind other banks. HSBC is the other major bank to not be “Apple Pay ready” for launch. Previously one of the banks to have Apple Pay on launch, we can only assume that there were some complications causing the bank to pull out at the last minute. Unfortunately excited customers woke up this morning only to be disappointed and, like the Barclays customers, took to Twitter to voice their complaints.
While HSBC & Barclays seem to be having a hard time across social media with this topic, competitors such as Santander (who offers the Apple Pay service) are using the backlash to jump on board and encourage potential new customers to switch. While it seems Barclays is keeping quiet on Twitter (leading to more frustration for customers), HSBC seems to be doing some damage control and replying to as many tweets as it can. Some clever, opportunistic marketing if we do say so ourselves! The following banks listed below currently support Apple Pay in the UK: Santander NatWest Ulster Bank Nationwide American Express MBNA Royal Bank of Scotland This highlights how important and powerful social media is to a company. As well as adapting to the new, exciting technologies available (something we have discussed before), a company should be responding quickly to customer complaints/concerns - something that HSBC seems to have implemented, unlike the stereo silence from Barclays.
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