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You’ll need a mobile credit card replacement — Apple Pay or Android Pay — for starters, but you’ll also need person-to-person payment apps like Venmo, Pay Pal, and Square Cash.

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.

As I made my way past a row of stainless steel ovens, I watched the patrons in front of me grab their glistening slices while wordlessly forking over mangled bills, as has been our country’s custom for a century and a half.

Just ask Andy O’Dell, who works for Clutch, a marketing company that helps with consumer loyalty programs and deals with these kinds of mobile purchasing apps.

“Apple Pay and the Starbucks payment app have nothing to do with actual payments,” he told me.

Paying with the wave of a phone, I found, pushes you toward extremes; to submit to the will of one of the major mobile wallets is to choose between big-box retailers and chain restaurants and small, niche luxury stores.

The only business in my Brooklyn neighborhood that took Apple Pay or Android Pay was a cafe where a large iced coffee runs upwards of ; globally, most of the businesses that have signed on as Apple Pay partners are large national chains like Jamba Juice, Pep Boys, Best Buy, and Macy’s. It wouldn’t be all that hard to live a fully functional — if possibly boring — cash-free consumer life by tapping and swiping the proprietary apps of our nation’s biggest stores.

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.

In that case, O’Dell said, Starbucks has "changed my behavior and captured more share of my wallet, and they've also given me more of what I want.""That's terrifying," I told him."But that’s the brave new world, man," he shot back.

"Moving payments from plastic swipes to digital taps is going to change how companies influence your behavior. Well, that's how we're doing it."In this sense, the payments rush is, in no small part, a data rush.

Plus public and regular transit apps — Septa in Philadelphia, NJ Transit in New Jersey, Zipcar, Uber, Lyft.

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