Replacing credit cards can likely only be done if the new system is dead-easy to use and it moreover has to be accessible by novice and expert alike. To that end, I tested Apple Pay and Google Wallet without prior experience. I did not get Google Wallet to work. For all you Apple-haters out there – I had no agenda here. I used an Apple device and a Google device to ensure the playing field was level. Winner this round: Apple Pay.
Let the hate-mail commence.