Diffusion of Innovation: Blog 8

Electronic Pay, and the Diffusion of Innovations Theory.

Taken by Dr. Dean Smith

The Diffusion of Innovations is used to define how change has been made by technological advancements and how it has influenced our society for the past, present, and future.

Apple Pay, Samsung Pay, and other forms of NFC payment have been extremely crucial in how conveniently we use our debit and credit cards to pay for everyday items. This, among many other factors, is why innovators have worked tirelessly to continue to advance our contactless pay method. Also, with technology in other areas continuing to advance, many investors, businesses, and other entities have been more than willing to support the continuing advancements of contactless pay using Apple Pay, Samsung Pay, and other forms of NFC pay.

Card reader companies, such as Verifone, implemented the ability to accept NFC payment on their readers. Because of this very limited and new field of how we pay, Verifone became the early adopters of this technology to provide convenience, security, and a new feel for payment in the world.

The early majority would be considered banks; providers such as Apple and Samsung; and others in the tech field that support using the NFC payment feature on their devices and cards. These companies chose to support this feature because of how it would revolutionize their devices and how attractive it would be to consumers— therefore providing more reason to purchase the product.

Considering how much work had to be put in before consumers actually were able to successfully use the NFC feature, the actual consumers would be considered the late majority. However, this does not include all people because of the different age groups associated with the technology field. Our younger generation (17-35) are more receptive of trying or just inadvertently trying the feature due to the narrow gap between the start of “paying for things” ourselves and actually having bank accounts/devices that have the ability to support the NFC feature.

Finally, the laggards are considered our older generation (35+) due to the wide gap. Some don’t even have devices that support NFC payment. Additionally, the older generation is more than likely to have reservations on the security of paying with your cellular device or just “tapping” your card to pay.

Sources:

https://medlawlit.blogspot.com/2019/03/week-11-diffusion-of-innovations.html

https://squareup.com/us/en/townsquare/mobile-payments

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