Yes Apple Pay is here and the UK is the first market outside of the US to have this. How exciting!
By now, many of you will have seen, heard of and experienced this – I’m going to explore in a bit more depth to explain what it really means.
Apple Pay went live on the 14th July for some of the largest UK Banks and Building Society.
Here is a short clip about the Apple Pay announcement by Jennifer Bailey on the 9th of June at the WWDC 2015. Please watch from 35:42 to 41:30.
Currently I have worked across 3 different client accounts within IBM and one of the most resonant words I have come across is ‘Digitalisation’. Now what it means is making the customer journey Faster, Easier and more Accessible.
So what is it?
Apple Pay is a digital wallet. Yes a digital wallet where you now don’t have to carry cash anymore. You might question this now, as leaving the house without a wallet is still an alien concept! If we don’t carry our cash or our wallet how will we buy anything?
Remember the days when you lost your card and had to wait for a few days before you could get a replacement? Well you don’t have to wait anymore because if your card is lost or stolen and once you have reported the issue to your bank, your new card details will generated within 24 hours and updated on your phone the next day. How cool is this?
The physical card will still take the same number of days until it’s reached to you but that does not mean you are on ‘stop’ as the new card details will come through on your device.
This is where the word Digitalisation comes in. Apple Pay is the new way forward in storing your card details on your device as an image and using it as a means of payment. This can be done in stores and online. It just goes to show how far our mobile devices have advanced from the initial customer need to make a phone call! Now it can serve as a payment device, too.
Who can use it?
Only Apple Users so far, and to use this you must have one of the following devices:
- iPhone 6
- iPhone 6 Plus
- Apple Watch
- iPad Air 2
- iPad Mini 3
Apple Pay will be available for any new devices Apple chooses to release in the future.
How secure is it?
- Process of checkout is One-touch. This is a finger touch you press on the home button when authorising the payment and this can’t be done by anyone other than yourself. Back to the Future predicted thumbprint technology in 1985 – and today, through advances in modern technology it’s a reality and part of normal operational life.
- There is no long Card number entry.
- There is no need to input your address.
- There is no Card Information being shared with the merchant.
- If your phone is stolen you can instantly log into iCloud or ring your bank to deactivate Apple Pay.
- Your Card number will be replaced by a device account number (token).
- Apple does not collate any information on your transactions.
- If the physical card details are stolen and for some reason it is able to perform Apple Pay transactions then banks are 100% liable for this and you will always receive a full refund.
Why should you use it?
It’s easy, secure and sounds cool!
It’s the way forward. Nowadays consumers are more attached to our phones than anything else. The concept of a digital wallet sounds very appealing. Technology is moving very fast and ‘Digitalisation’ means that interactions between devices are common place. So why not have a digital wallet which has everything in one place?
What was my role when I was working for this Apple Pay Project?
This project was very fast paced and high-profile with critical deadlines to deliver for the client.
As part of this project my role was a Functional Tester. I was involved in the following Functional Testing areas covering execution, test preparation, analysing documents, creating scope documents and raising critical defects.
- Smoke Testing
- System Testing
- System Integration Testing
- Regression Testing
- Writing test scripts on Application Lifecycle Management.
- Raising defects and chasing them through to conclusion.
- Re-testing defects to verify it is fixed
- Creating and writing scope documents
- Analysing documents such as Design, IT requirements, functional spec etc.
In addition working closely with the client and the following stake holders ensuring defects during the execution have been recorded properly, chasing through to conclusion and are being re-tested in the expected manner.
- Environment Support Team
- Defect Manager
- Business Analyst
- Test Architect
- Test Leads
- Test Manager
- Deployment Manager
It was a proud moment for me to be part of the IBM Test Team that delivered this to our client within the 5 months of critical deadlines. For me being part of this project was very exciting and knowing we were one of the first in UK to do this with our client was an achievement in itself. IBM focuses on achieving Client/Customer satisfaction and by delivering this project we have not only accomplished this but also received excellent feedback both from our client and Apple. The highlight of achievement in the end was that we received a very positive feedback and not a single negative social media sentiment.
So this was about Apple Pay hope you found it useful and interesting.
One of many IBM’s Successes I have been involved in.
by Nirjeet Singh Gorvara