[bduerst]

Right, and with the advent of NFC in phones, US consumers didn't need the banks' permission to pay contactlessly. Despite this, contactless payment adoption was still slow in the U.S. even though most phones had NFC, it wasn't critical mass until Apple finally decided to support NFC technology.

[closeparen]

You do actually need the bank's permission to enroll a card for Apple/Android Pay, it is a feature they have to support.

[bduerst]

It is today with different added features, but back in the 2010s you didn't need your bank to support it. You could do it with your VISA/Mastercard/AMEX credit or debit card.

[lmm]

In what country? I tried to add my cards to Google Pay the day it came out and some were allowed and others weren't.

[bduerst]

That's probably because Google Pay was second gen w/ additional features. Google Wallet accepted all my bank (credit union) debit and credit cards.

[Jcowell]

I would argue it was a myriad of factors. Here in NY the adoption of OMNY and the pandemic contributed far more than Apple rolling out Tap to pay. The biggest issue being merchants lacking having the motivation to move away from outdated readers.