It is endlessly frustrating that companies have universally decided that they won’t let people say “no” to stuff, ever. There are no longer options to reject stupid-ass new “features”, only postponement until next time you open the app/website/program. They’ll continue pestering you for the rest of your life. I realize that my frustration may be a little over-zealous, but we deal with these interfaces dozens of times per day and this is user hostile behavior. There isn’t really an option to just use another service or program, since the entire technology landscape has been commandeered by a few major corporations, and they all enact the same shitty things as a group.
Tap to pay is there for banks to eliminate the last money transaction they weren’t taking a cut of: cash payments.
They haven’t been trying to get this shit going for almost 2 decades because the convenience othe their customers is their driving motivation…
I mean I hardly use the tap to pay feature on my cards but I use credit cards for everything. Tap to pay is more secure so protects the banks more. Same reason we moved to chips instead of always using mag strips.
I’ve actually worked in smartcard issuance at some point and tap to pay isn’t at all more secure than the cards with smartchips requiring physical contact and a pin code that the banks had finally gotten around to adopt after more than a decade of Visa and Mastercard trying to force them to ditch magstrip (which was laughably insecure).
Tap to pay actuall reduced security because it removed the “locked for anything with a key known only to the user” element and replaced it with a limit on losses (i.e. pinless payments are limited to a certain amount so losses if the card is stolen are limited) and replaced the physical connection requirement with a radio-range one which can be worked around with a directional antenna (something as simple as a pringles can).
Sure, it’s better than magstrip, but then pretty much anything is better than magstrip.