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And it really erodes the value proposition that mobile payments are simpler.” On a frigid January afternoon in Midtown Manhattan, just hours into my experiment, I found myself at 2 Bros., a red-tiled, fluorescent-lit pizza shop that operates with an aversion to frills.

You’ll also want to cover your bases with individual retailer payment apps like Starbucks, Walmart, USPS Mobile, Exxon Speedpass, and Shell Motorist, to name but a few.Partially for this reason, the primary way most Americans are currently experiencing the great fintech boom isn’t through Apple or Android Pay at all, but through proprietary payment apps from chains such as Target, Walmart, and Starbucks — as of last October, an astonishing 1 in 5 of all Starbucks transactions in the U. If that doesn’t feel revolutionary or particularly futuristic, it’s because it’s not really meant to.But the future of mobile retail is assuredly dystopian.Snapchat conversations will now go beyond sending quick photo and video exchanges with friends.Users will now be able to swipe right on a friends name to open a text-based chat screen.

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