Muna kwatanta Apple Pay da gasarsa: Samsung da Android Pay

Biyan kuɗin wayar hannu kusan kusan daidaitaccen gaskiya ne, kodayake yana iya zama gaskiya cewa yawancin masu amfani har yanzu suna daidaita da katunan kuɗi marar amfani, akwai da yawa da suka fara amfani da wayar su ta hannu don yin duk wani biyan da suke ganin ya dace, muddin bankin su da wayoyin su suka kyale shi, tabbas ...

Apple Pay ya zama abin kwatance a duk duniya, kuma a Spain ta sanar da sabbin bankuna. Dukansu a cikin Amurka da itasar Ingila, ita ce hanyar biyan kuɗi ta masu amfani, amma about yaya game da gasar? Yanzu a cikin Spain muna da zaɓuɓɓuka da yawa, Za mu yi kwatanci tsakanin Apple Pay, Samsung Pay da Android Pay, su uku mafiya karfi madadin hanyoyin biyan wayoyin hannu a kasuwa.

Kamar koyaushe, zamu yi nazarin ɗayan ɗaya ɓangarorin waɗanda suke da alama sun fi dacewa dangane da amfani da aikin fasahar da ake magana a kai, saboda haka, zaku iya zuwa ma'anar da ke haifar da mafi yawan sha'awa kai tsaye ta hanyar fihirisar cewa ka samu a cikin wannan post.

Na'ura mai dacewa

A wannan yanayin ba lallai bane mu rarrabe tsakanin wasu hanyoyin da wasu, a bayyane yake Android Pay Godiya ga kasuwannin ta da fa'idar sa, wanda ke jagorantar tsere don dimokiradiyya sabis ɗin, ƙungiyar Google suna ba ku damar amfani da tsarin biyan kuɗi akan kowane wayo tare da Android daga 4.4 KitKat, muddin tana da fasahar NFC kuma ba haka bane kafe, abu mafi kusa ga Jailbreak wanda zamu samu a cikin Android. Babu shakka wannan yana rufe yawancin jama'a, har ma fiye da haka la'akari da dacewa da Android Wear.

Tare da Samsung Pay zamu zama kadan mafi iyakas, kodayake kamfanin ya yi gargadin cewa yana da niyyar faɗaɗa sabis ɗin a cikin duka Android, a yanzu ana iya amfani da shi a cikin na'urorin Samsung Galaxy S7, S7 Edge, S6, S6 Active, S6 Edge, S6 Edge Plus, zangon Galaxy A5 daga 2016 da 2017, kuma kamar yadda ba za a iya tsammani ba in ba haka ba, a cikin bambance-bambancen guda biyu na Galaxy s8 da aka ƙaddamar kwanan nan. Ba tare da wata shakka ba, haɗi mai kyau na na'urori, kodayake ba su bane ainihin samfuran da Samsung galibi ke sayarwa mafi.

A game da Apple Pay mun riga mun san inda iyakar take, Duk wani iPhone ko iPad da ke da NFC (iPhone 6 zuwa gaba) da sabon sigar na iOS zasu iya biyan kudi ta Apple Pay ba tare da wata matsala ba, wanda aka kara Apple Watch din, muddin muna aiki dashi daidai da iPhone, za mu iya yin biyan kuɗi a kan wayoyi masu jituwa kawai ta latsa maɓallin «gida» sau biyu a kan agogon wayo na kamfanin Cupertino. Tabbas, Apple shine wanda ya iyakance mafi yawancin abin da zai yiwu amfani da tsarin biyansa.

Waɗanne bankuna ne suka dace da kowane dandamali?

Anan ne batun ya fi yin jinkiri sosai a dukkan fannoni, kuma ga alama dai, game da batun Spain, bankuna na nuna ƙyamar barin masu amfani da su dakatar da amfani da katunan su ko kuma hanyoyin biyan kuɗin da ba su tuntuɓar su na tasirin tasiri. Abin sha'awa kuma ya bambanta da bayanan da suka gabata, yanzu ne Android Pay wanda yafi rauni, kawai tayi nasarar ratsa Spain ne ta cikin BBVA, Bankin keɓaɓɓe wanda zamu iya amfani da tsarin biyan kuɗin wayar hannu na Google, abin kunya sosai.

Samsung Pay ya kasance jagora a fagen talla da haɗaɗɗiyar ayyukanta, a Spain zamu sami damar amfani da katunan kuɗi na CaixaBank, ImaginBank, Servicios Financieros El Corte Inglés, Banco Santander, Abanca da Banco Sabadell. A takaice, wannan yana nufin cewa Samsung Pay shine jagora a Spain dangane da yiwuwar, duk da 'yan samfuran Samsung wadanda na iya ganin amfani da wadannan halaye, ya bayyana karara cewa shine mafi girman zabi idan muka dauki la'akari da yawan kwastomomi.daga CaixaBank, El Corte Inglés ko Banco Santander. Tsarin kamfanin Koriya ta Kudu a fili ya yi nasara.

A game da Apple Pay mun sami wani abu makamancin Android Pay, amma tare da dan karin fata. Watan Disamba zai nuna farkon shekarar zuwan Apple Pay zuwa Spain ta hannun Banco Santander a matsayin ƙungiya ɗaya tilo ta kuɗi, yayin da Gidan Abincin Ticket da Carrefour Pass suma suka bayar da ayyukansu, wanda muka ƙara Boon. a madadin lokacin bazara. Don haka kusan shekara guda, har zuwa yanzu an ba da sanarwar cewa a duk sauran ragowar 2017 za su shiga CaixaBank, ImaginBank, VISA da N26.

Countriesasashen da za mu iya amfani da waɗannan hanyoyin biyan kuɗi

Muna farawa da Sake biyan kuɗi na Android, kuma shine cewa dandalin biyan kuɗin wayar hannu na Google yana wadatacce a cikin ƙasashe masu zuwa: Australia, Belgium, Brazil, Canada, Spain, Amurka, Japan, Hong Kong, Ireland, New Zealand, Poland, United Kingdom, Singapore, Taiwan. Ba su da yawa ba, duk da cewa da yawa daga cikin abubuwan da ke da matukar mahimmanci za a iya rasa su, kamar Faransa, Jamus da Italiya, yankin da gasa ta mamaye ta. Saboda wasu dalilai da ba a sani ba, ba a ciyar da Android Pay daidai yadda ya kamata, kamar dai ya daina gasar.

A cikin hali na Samsung Pay Muna da tayin mafi girma na ƙasashe waɗanda suke akwai: Australia, Kanada, China, Vatican City, Spain, Amurka, Faransa, Guernsey, Hong Kong, Ireland, Isle of Man, Italia, Japan, Jersey, New Zealand, United Kingdom, Russia, San Marino, Singapore, Switzerland, Taiwan. Babu wani abu da ƙari kuma a cikin waɗannan ƙasashe, mafi yawan abokan ciniki kamar Spain da Italiya, Samsung Pay yana nan, ba tare da wata shakka ba ya bayyana cewa gaban Asiya shine inda yake da mabiya da yawa, babu shakka muna haskaka Vatican City kamar yadda batun ban dariya na al'amarin… Paparoma yana amfani da Samsung Pay?

Zamu je Apple Pay a matsayin matsakaici, a cikin wannan kamfanin na Cupertino yana la'akari da yawancin abubuwan da abokan huldar sa suke samuWataƙila wannan shine dalilin raini koyaushe a cikin irin wannan ci gaban software tare da Spain, zamu sami Apple Pay a cikin: Australia, Brazil, Canada, China, Koriya ta Kudu, Hadaddiyar Daular Larabawa, Amurka, Hong Kong, Indiya, Malaysia , Puerto Rico, United Kingdom, Russia, Singapore, Sweden, Switzerland, Thailand. Kodayake dole ne muyi la'akari da iyakokin, kar mu manta da cewa a cikin Spain har zuwa kwanan nan ana iya amfani dashi kawai tare da Banco Santander da sabis na ƙananan tsiraru kamar Carrefour Pass.

Spain, jagora a cikin biyan bashi.

Babu shakka, biyan kuɗi ta hanyar Apple Pay wani zaɓi ne mai kyau a cikin Spain, yana da wahala a sami shaguna ko kamfanoni gaba ɗaya waɗanda ba sa ba mu wayar tarho tare da fasahar NFC, don haka Spain ta jagoranci biyan wannan nau'in a duk Turai. Da yawa don 57% na Mutanen Espanya suna yin amfani da katunan lamba. A wannan lokacin, zamu sami adadi mafi girma fiye da na Turai, wanda shine 45%. Don kara bayyana,  Akwai kusan tashoshi mara lamba 820.000 a duk Spain, suna ba da cewa nan da 2020 duk kasuwancin da ke karɓar kuɗin kati ya haɗa da su.

Shin wannan yana nufin haka Ba za mu sami kusan wata matsala ba idan muka yi amfani da Apple Pay ko kowane dandamali na biyan kuɗi da aka gabatar a sama kamar tsarin biyan mu na yau da kullun. A zahiri, a cikin lamura irina na ɗauki matakin barin katunan kuɗi na zahiri a gida, don haka naji daɗi mai tsaron rai idan walat ko mai riƙe katin sun ɓace. Babu shakka, akwai ɗan lokaci kaɗan da suka rage don biyan kuɗin wayar hannu, abin da kawai ya ɓace shi ne cewa bankunan sun ƙare suna ba da hannu don karkatarwa da ɗaukar masu amfani da shi sosai.

Wanne ya fi kyau, Apple Pay, Samsung Pay ko Android Pay?

A wannan ƙarshen ƙarshen ƙarshe zamu fahimci abubuwa da yawa. Gaskiyar ita ce a halin yanzu kuma ba tare da tattaunawa ba, Android Pay ita ce wacce ake la'akari da mafi rauni madadin, Duk da cewa akwai adadi mai kyau na wayoyin da suka dace, kawai zaka iya amfani da sabis ɗin su ne idan kai mai amfani ne da BBVA, wanda duk da kasancewarsa ɗaya daga cikin bankuna masu ƙarfi, ba ma wanda ke da mafi yawan adadin ATM a Spain.

A bayyane yake cewa batun zai kasance cikin sabani tsakanin Android Pay da Samsung Pay, komai zai dogara da abin da wayarka ta hannu take, da ma'ana tsarin daya ba mai sauri ba ne, mafi aminci ko sauki don amfani da wani, dukkansu suna aiki sosai da kuma inganci, shi yasa kawai ake gamsuwa idan ka cika abubuwan da ake bukata don samun damar biyan kudi mara lamba ta wayarka ta hannu. Tabbas, idan kuna da damar, to, kada ku jinkirta ƙaddamarwar ku, za ku gano sabuwar duniya inda komai zai kasance mafi sauƙi, sauƙi da sauri.