“Apple Pay is a great example of how a cell phone that identifies its user in a pretty strong way lets you make a transaction that should be very, very inexpensive. “So the fact that in any ...

Send money to other Apple Pay users. Add cards to your wallet ... while an app like Venmo does. Just make sure you know what you want to use a digital payment service for before you sign up ...

Apple Pay also lets users make one-tap purchases within apps ... tapping two iPhones or Apple Watches together. Sending money this way does not require knowing the other person's phone number ...