Don't know if your sense of protection on mobile v. PC is mistaken, Mr. Roques. But any access platform or device these days should be considered vulnerable to malware and hacking. I don't think we can be too careful anytime we combine money transactions with our personal access gear.
I can totally see all the benefits of the wallets, but for me, I'm happy with the way I handle my finances now. I have learned how to budget and forecast how much money I'll need all by myself. I don't need an app for that. And young folks shouldn't either...there are some things that one should know how to do without technology.
KMT568: More likely than not, digital wallets will do more than just provide a digital counterpart of your physical wallet. Digital wallets would also be able to accommodate various sorts of payment methods, make automatic bills payments, provide analytics for your spending, allow you to do financial forecasts, etc. But for sure, they won't claim that it's a cure for shopping addictions. That's too much for any app to handle.
I've been using a service that uses your phone as the paying method. Although not the way NFC is thinking. It simply links your phone to your bank and when you go to pay, they send something similar to a SMS (USSD) and through that, you continue the process.
In that sense, I do use a mobile wallet... but thinking about NFC, etc, I doubt that in the next year, I'll start using it.
Thanks mtechie for those updates. I know it will take a while before these online payment services come mainstream. However, it is very clear that the future of ecommerce is dependent on how successful these payment methods are. We can't expect ecommerce to thrive if we still continue to hold on to traditional payment methods.
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