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jseymour

join:2009-12-11
Waterford, MI
reply to AVD

Re: Care Not I Do

said by AVD:

my grandfather said something similar about plastic debit cards

Ah hah hah hah ah hah

If debit cards would've cost to the tune of about $1200/year, then you'd have a point.

Jim


MovieLover76

join:2009-09-11
kudos:1
that's an deceptive comparison at best, the majority of the population now already owns smartphones, this is just a new application for the smartphone that most already own. I don't know everything about ISIS, but google wallet costs the user nothing.

This is just a the next logical step in our movement away from paper currency. 40 years ago people would have been saying the same thing about relying primarily on a credit or debit card.
These days if I have cash it's usually by accident, or I'm going to one of the last few vestiges that doesn't take credit card.
Flee Markets, Garage sales etc.

It may take another 40 years for this to become as common as the debit card is today, but it will probably be much faster than that.

Luddites need not apply, no one will force you. You can still use cash for everything


LightS
Premium
join:2005-12-17
Greenville, TX
Personally, I agree!

However, I don't feel like it should be tied to my smartphone. To protect it, you (should) need passwords. You should encrypt your phone's info (very easy on Android)) etc, so that it requires a password upon reboot.

The problem with all of this? Inconvenience for the end user. I personally don't care, but a lot of people sure are lazy these days..


jseymour

join:2009-12-11
Waterford, MI

1 recommendation

reply to MovieLover76
said by MovieLover76:

that's an deceptive comparison at best, the majority of the population now already owns smartphones,

No, it's not and no, they don't.

If it costs me little-to-nothing to carry plastic, but I have to have a "smart"phone with data plan that costs me $1200/year in fees to use ISIS, then ISIS costs $1200/year more than the plain old plastic credit cards. Secondly: As of the beginning of the year, the latest for which I could find numbers, 46-49% of the U.S. adult population owned "smart"phones.

I know many people w/o "smart"phones. Even a few that have no wireless phones at all.

said by MovieLover76:

Luddites need not apply, no one will force you. You can still use cash for everything

Has nothing to do with being a Luddite. Being a tech guy, I'm anything but a Luddite. It's all about the cost of "smart"phones, which I believe to be ludicrous--at least for anything shy of business use.

One of my closest geek buddies, whose family wireless bill is atrocious (somewhere north of $450/mo., IIRC), ruefully admitted to me, recently, "Yeah, there's really no justification for it, outside of mine, for my business."

Jim


MovieLover76

join:2009-09-11
kudos:1

2 edits

1 recommendation

a simple google search results in many articles that state that in the US, the smartphone penetration rates exceeded 50% in August of this year
»www.gizmag.com/us-smartphone-pen···t/23768/

It is a deceptive comparison, because no one expects that someone is going to go out and buy a smartphone just to use the ISIS payment system, that would be insane.
But yet that is exactly what you are proposing in order to make your comparison.

Taking something you already own and adding a feature to it which costs no addition money is not a cost for that feature.
Your smartphones fees cover, voice text and data. At best if the ISIS system sends a few kilobytes of data during each transaction, you could add that extremely tiny portion of your data allotment to the price of using ISIS, but in reality it will be negligible.

People may choose to use it if they have a smartphone. It's not like credit and debit cards or cash are going away. They aren't marketing ISIS to non-smartphone users.

Finally, smartphones are a luxury item, no not everyone needs one, but I find mine extremely useful in my daily life and it makes my life easier. If something is worth the price is completely subjective, no one can decide for everyone else what is a justified expenditure and what is not.

It is true that you can pay extremely high rates for a family of smartphone users, but that is partially because people don't bother to look into their options, their are plenty of cheaper options than AT&T or Verizon. I myself pay only $45 for Straight Talk Smartphone service and for $45 a month the value I get out of my smartphone seems completely justified to me. Even if I paid $100 a month for my smartphone, if the price was worth it would still be a subjective opinion.

Also, I didn't tell those families that their kids need to have smartphones, in my mind giving your kid a smartphone and paying $80-90 a month for it is insane, I don't think kids need a smartphone, but if you've decided on getting them a smartphone, give them a cheaper prepaid option, like virgin mobile on $35 a month with 300 mins (most kids don't talk on phones anymore)


88615298
Premium
join:2004-07-28
West Tenness
reply to jseymour
said by jseymour:

If it costs me little-to-nothing to carry plastic, but I have to have a "smart"phone with data plan that costs me $1200/year in fees to use ISIS, then ISIS costs $1200/year more than the plain old plastic credit cards.

Did you have your smartphone already and using it for other things already? If yes. Then it's free. I have credit cards each one charges a BS yearly fee.

Secondly: As of the beginning of the year, the latest for which I could find numbers, 46-49% of the U.S. adult population owned "smart"phones.



Notice the change in just 9 months. What will it be in 5 years?

I know many people w/o "smart"phones. Even a few that have no wireless phones at all.

We have some Amish here that have horse and buggies and no electricity.

Has nothing to do with being a Luddite. Being a tech guy, I'm anything but a Luddite. It's all about the cost of "smart"phones, which I believe to be ludicrous--at least for anything shy of business use.

As was stated if you don't want to use smartphone no one is forcing you to. For those that already have them I'm not sure what your beef is? There is no additional cost of this for those with smarthphones.


jseymour

join:2009-12-11
Waterford, MI
said by 88615298:

Did you have your smartphone already and using it for other things already? If yes. Then it's free.

No, I do not, so, therefor, no, it would not be.

said by 88615298:

Notice the change in just 9 months. What will it be in 5 years?

If some of the predictions I've been reading lately are any guide: Not a whole lot different. They could be wrong, market analysts sometimes are, but it is believed by many that just about everybody that is inclined to go "smart"phone now has one--that the market is essentially saturated. Those analysts expect moderate growth in the "smart"phone market though next year, and then for it to essentially go flat.

We'll see.

said by 88615298:

I know many people w/o "smart"phones. Even a few that have no wireless phones at all.

We have some Amish here that have horse and buggies and no electricity.

I bet they're happier than most "smart"phone users you know

Jim