Help Me With Add Electronic signature in Android

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I am typing this answer from a Mid-2012 15″ Retina Display Macbook pro. This laptop since the time it was bought has seldom seen a day it was not switched on and used for 10 hours or more.Never has it felt slow or sluggish or needed an OS reinstall. It has received a major software update every single year that has made the laptop progressively better. When needed, I am able to use Parallels to boot into windows and have it work as well as it does on a Windows laptop. Same holds for Linux too. It has survived more than a few falls and a fair share of abuse.Apple for its part has,Replaced the entire screen when I had a single dead pixelReplaced the entire top case, when I felt the shift key was slightly looseReplaced the entire screen again when there was a recall for potential issue with the anti reflective coatingReplaced the GPU, 4 years after purchase, based on a recallThe only work I paid for was a battery replacement last month after thousands of battery cycles. This constituted replacing the entire top case again, along with a new keyboard and trackpad for a very reasonable $200.While they were at replacing the battery, because the technician felt the ports did not align perfectly (Probably due to a fall that I caused earlier in its life) and he also replaced the entire logic board on the 6 year old laptop, essentially transforming it into a nearly new laptop again.The 6+ year old laptop now functions like new, has a battery backup of 7+ hours and just had the latest Mojave beta installed on it.In contrast to this, a Lenovo - Windows signature laptop that I purchased from a Windows store around the same time, was screwed up when updating form windows 7 to 8. The issue was because of a driver file that was supposed to manage a hybrid HDD and SSD. The store could not help me or replace the computer. I eventually had to spend several weekends fixing it myself. The laptop lasted another year and half before it completely died.To avoid this being brushed aside as a one off case of good fortune with my Macbook pro, let me also add that my business has about 40 computers, with a fair share of both Mac and Windows computers. We have everything ranging from Mac mini’s, iMacs, Macbook Air’s and Macbook Pro’s. They date all the way back to 2012 and the only issue they have ever faced is needing to replace a faulty hard drive in one of the iMacs. On the contrary, the windows laptops and desktops we have used haven’t fared so well and have an average replacement time of 2.5 years.I have also owned 16+ phones over the past 7 years and that includes every generation of iPhone starting from the iPhone 3gs, to the iPhone X that I use now. I have also tried a variety of android phones; usually at least one from each generation and other phones like a windows phone and a blackberry. I have an old iPhone 5 and 5S still lying around, that work pretty well. In fact the 5S is getting the iOS 12 update, almost 5 years after its release. Anytime I have had an issue with an iPhone, it simply involves walking into the apple store and walking out with a replacement device. I cant recall even a single instance where I had to leave the phone and come back later. My Samsung and Sony phones on the other hand have had me ship the phone out for repairs and have made me wait a minimum of 2 weeks to get it back.I also own an iPad (Apple even replaced one of the iPads that I dropped and broke within about a month of purchase, with a new one, simply because they could), Apple watch and airpods. My iPad air has been working flawlessly now for about 4 years and my watch for 3 years or so. The airpods have survived multiple drops and even a short washing cycle.I can’t think of any other brand that has given me the consistent reliability that apple has demonstrated with it’s products, almost across its entire product line. I have also not seen any other brand even come close to offering the quality of service that I have received from Apple over the years.In addition to this, almost every person I know in my personal or professional life, including my own parents have never turned back to an Andriod phone or a windows laptop after being introduced to an iPhone or a Mac. The most commonly cited reason for not turning back is ‘ease of use’. Personally, I am a tech enthusiast and love tinkering around with both hardware and software. I can find my way around most electronic devices very well and even with that background, I do find Apple products to be consistently better designed from a user experience perspective and will certainly prefer and pick an Apple device when I want something that simply works well. I imagine this difference in UX would be even more acute for a less tech savvy user.My experience with apple clearly suggests this; Sure, I may have paid more upfront for some of the Apple products that I have purchased over the years, compared to alternatives. But, when you consider the full cost of ownership, such comparisons become almost meaningless with Apple being the clear winner in terms of cost and most other factors you compare them on, such as performance, user experience or support.While there are several genuine criticisms that stand against Apple and its products, many that you hear on a daily basis such as Apple being expensive, come from people who have never owned or consistently used an Apple product. If you are trying to decide if an apple device is worth it, it would be far more prudent just to try one yourself or at least rely on the collective opinions of people who have used both Apple products and non Apple alternativesPS: Before being labelled an Apple fanboy, let me add that I was a windows only person for the first 21 years of my life. I am a software engineer and a tech enthusiast who loves good technology products irrespective of its brand. Despite what I have said about Apple above, I also own and use Windows laptops, desktops, tablets (Both Windows and other Os’s), Computers running Linux, Game Consoles, Electronics from other manufacturers such as Tv’s, Projectors, Monitors and so on. All devices have been paid for out of my own pocket and there is very little incentive for me to favor Apple, except based on my own purchase and ownership experiences.Edit: Adding a picture as I am seeing comments and messages questioning the authenticity of the answer. Hope this settles it.

Edit: I wrote this answer for “must have Android apps” but these are same apps which have changed the way I used to live my life. Each and every App has helped me in one or the other way. I hope you will also find them helpful and a bit life changing. So here is the list: 10. Psiphon For those who use WiFi with proxy settings. So Psiphon bypasses and tunnel the websites or app through a different IP Address. 9. Mirror It's a simple app to record your mobile screen. Based on the concept of CamStudio in PC where you can record your screen, Mirror offers recording of your Mobile screen. 8. NTES- National Train Enquiry System If you are from India and you want to know the running status, cancelled train (partial or fully), Live Station and other features, this App is a must have. 7. VOLT Simple but effective for those who want to learn new vocabulary. That's too obvious, then why not others? Coz here you get the “memory key” which helps you relate the words and easier to remember them. 6. Parchi It a note making app. But here’s a catch. You can view, review, edit and add right from your lockscreen without need to open the app. Isn't that amazing! I personally find this app very useful. 5. edX If you are student or a learner who wants learn something new everyday, and cannot afford to go in the prestigious institutions like MIT, Harvard University, Cambridge, IITM, etc ten it is a must have app. Enroll yourself in any course and Bazinga!! You are ready to learn from the most amazing professors. Similar to edX, we have Coursera. 4. Walnut Manage your expenses on your finger tips. Its easier then that. It shows you your monthly expenditure, ATM locations, bill remainders and many more features. Its a must have app. 3. CamScanner Everyone doesn’t own a scanner but most of us have camera. So click the pic, upload to CamScanner and voila you are done. You have the scanned copy of your documents, notes, Marksheet and upload them on your DigiLocker. 2. inshorts Till now you all must be knowing this app. The tagline is also simple “News in 60 words” and trust me it is worth having. In this “I don't have time” world, you need news to be fast and accurate so here it is. 1. DigiLocker If you have this app then you don’t need to carry your personal documents like driving license, Adhar card, voter ID card, or even your Marksheets. Keep them safe in actual locker and leave the rest to your DigiLocker. And the best part is that it is acceptable as the original ones at every governmental or non governmental institution because it is developed under Digital India initiative. That's it for the day. Thank you and Enjoy !!! Update 1: Today I came across two new apps which I found useful. Hope it would help you all. 1.Forest : Stay focused Features • A self-motivated and interesting way to help you beat phone addiction • Stay focused and get more things done • Share your forest and compete with friends • Track your history in a simple and pleasant way • Earn reward and unlock more tree species • Customize your whitelist : Leaving Forest and using apps in whitelist won’t kill your tree. 2. Swachh Bharat Toilet Locator Swachh Bharat Toilet Locator is specifically useful for Indians who're committed for Swachh Bharat. Update 2: So I am back with yet another interesting app for you all. And trust me it is worth hanving. You are bored just go through it and kaboooom !!! You are into a black hole. Enjoy the ride. 3. Curiosity It is the latest app I installed but got addicted to it. It’s exactly works like its name, generates a curiosity which inturn increases your knowledge. It covers a large field of scope from Humanity to science to faith and many more. This app deserves more snapshots but why to increase the length of my answer. Comment below if you think the list should be updated? Thank you.

Creating a professional invoice might seem like an easy thing to do but its often the toughest task, specially if you are doing it for the first time. Its often the last communication with the client and hence, must leave a good impression about your company.Lets find out how you can create a good looking professional invoice, best practices and some follow up techniques.6 Things To Do Before You Create An Invoice:1) Create organisation policiesBefore you do anything else, first create a policy for your organisation. Even if you are a sole owner, it would make sense to lay out some rules. To get you started, find answers to following questions:– Can I provide an option to return goods or services? If yes, what will be my return policy?– What are my payment terms? How much credit I can offer?– Should I charge a late payment fee? If yes, how much?– Should I ask for an advance payment? If yes, how much?You don’t have to spend a lot of time on it or get any legal help. Its more like the terms that you want your client to agree so that you can avoid any disputes later.2) Setup your payment collection methodAsk yourself how are you going to collect the payment once an invoice is sent to the client. If its by cash or cheque, how its going to be sent to you? If you want your client to pay you using credit card, signup for an online payment gateway. For international clients, Paypal is good place to start with. Indian companies can signup with Citrus or CCAvenue to setup a gateway. Most of the good payment gateways companies in India have now stopped charging for the setup and annual fees.Also check if there are any expenses that might be incurred at your end during payment collection process. It will be a good idea to include this cost in the invoice.Check how you can integrate a payment link on your invoices so that your customers can pay you easily .3) Design & brandingA good looking invoice can reinforce trust in your client’s mind. So, make sure that you use a simple and elegant invoice design. If you are using any accounting software, chances are, professional invoice templates might be inbuilt.Just upload your company logo and you are all set.4) Send Estimates/ QuotationsYou should always give estimates or quotations to your clients before the project begins. You should include things like deadlines, delivery items, revisions and other considerations as defined in the policy making step above.Proposals also give your clients an idea about how much he will be paying to you in future.5) No surprisesWhen it comes to invoices, clients do not like surprises. If there is an deviation in the order as mentioned in the proposal, you should inform your client about the change in fees. Lot of vendors tend to postpone this discussion till end of the project. When clients come across these new charges, they will either negotiate with you to waive off those fees or just delay the payment.So, whenever there is any change in the originally accepted terms, specially regarding pricing, inform your clients immediately and make them aware about the change in fees.6) Tell them that its comingHarish from Finkoi Financial Consultancy suggested this effective technique. Just before sending the actual invoice, he sends a short note to the client. It goes like this:credit:-Care Study Online-exclusive Study Matterial and Education tips

Click here for Digital SignatureDIGITAL SIGNATURE CERTIFICATE ISSUING AUTHORITIES Some of the dealers are required to obtain Digital Signature Certificate from the appropriate signNowing authority for making online application for the issue of CST related Forms and Way Bill. A list of such dealers has been displayed in this website. A licensed signNowing Authority (CA) issues the digital signature. At present the following organisations are authorized signNowing Authorities under CCA, Government of India.1. NIC (For Government Departments/ Undertakings only)2. (n)Code Solutions CA(GNFC)3. Safescript4. TCS5. MTNL6. Customs & Central Exercise7. e-MudhraThe particulars of the signNowing Authority are available from the respective websites. It would be sufficient for the Commercial Taxes applications if the dealer obtains Class 2 Digital Signature Certificate (DSC) from the CA. After obtaining the Digital Signature Certificates as mentioned above, the dealer is required to register the fact of possessing the Digital Signature Certificates through the registration system available in this website.

Bitcoin was made to be used for anonimity but it is not actually anonymous (pseudonymity ).I believe there will be an anonymous coin to replace Bitcoin someday, this coin shall be scalable, fast confirmation and really anons.The most anons coin is easily found from its specifications. You can read their specs on their site or on bitcointalk.The below picture explain it quite clear:What is the best is the one that really protect the user to be identified.Why XSPEC does not have mixing?Mixing is actully very risky, if it is already anons, why do we have to have it? It is not necessary while the nodes also may be identified (easily identified).TOR integration is advance feature, you can also use your android and no-one knows your IP address or location while using XSPEC (the wallet is under development).There is also another important nte, XSPEC is undervalued as it is about 0.39 usd. I also mentioned couple days ago while it was about 0.2 usd in btctalk and quora.This coin may go to visit moon and it will go to Alpha Centauri, somehow I believe if this coin can surpase Dash Coin (as the specs is ways above it) and Spectre may be ready to be ahead as the digital money, as a backbone. It is a very wild prediction.Another things, I have lots of digital currencies including this one, please check my other comment on Quora to get the idea of having many coins.Why XSPEC is having chance to lead the way?It is getting better compared to other coins, please check this page:[XSPEC] Spectrecoin | Untraceable Tx | Ring Signatures | Tor IntegrationThis is the content (I removed its font/setting on that page to make it in plain-mode here):Donations for development welcome [XSPEC]: SPf1urM3GR5onKwwRAavYatS7ZHmwaCc8oNew updated GUI wallet w/ 'QTWebEngine' or 'C++/QML/QtQuick'QtWebKit as it is used in the current wallet is outdated web technology. We will consider an upgrade to QtWebEngine / Electron which are updated technology. However, both QtWebEngine / Electron come with a signNow performance overhead for native apps. Our aim therefore is to totally get rid of any web dependent technology from the wallet and instead re-design a new GUI wallet with C++/QML/QtQuick/JavaScript. This would reduce the resources consumed by the wallet and give it a native (OSX / Win) and professional look and feel without bringing any additional performance issues (as web technologies usually do when they are used inside native desktop or mobile apps). The Bitcoin GUI wallet was originally developed using QtWebKit and since most of the cryptocurrencies were created by cloning the Bitcoin source, the QtWebKit dependency is an issue for all the crypto wallets building on Bitcoin or SDC. We seek to free ourselves from this and create a more professional GUI wallet that is in line with other OSX / Win apps in common use.Time estimate: 12-24 weeksDependency ImprovementsAll the suitable versions of third-party dependencies (boost, libevent, etc.) should be included in the GitHub repo as sub-projects; No third-party dependencies should be used from random system folders, all of the dependencies should be inside the project tree. This will be completed to avoid complications and simplify the build process.Time estimate: 1-2 weeksAdd automated build script for third-party dependenciesScript (a really cool domain parked on Park.io) should be able to detect platform and arch and build required versions of dependencies; Supported platforms should be: linux32, linux64, MacOSX, Windows 32 bit and Windows 64 bit; This will simplify the “Getting Started Guide” for all developers to two simple steps:1. Clone sources from github;2. Run a really cool domain parked on Park.io in terminal;This will enable more developers to build the project; The more developers who will be able to successfully build the project the more will contribute to it or test it.Time estimate: 1-2 weeksAdd Vagrant supportThis will give everyone an opportunity to compile the project for all supported platforms on a single machine with a “single click”. This will allow any developer to easily run cross-platform tests for their changes / pull-requests. Being able to run cross-platform tests will help to avoid platform-dependent errors.Time estimate: 2-3 weeksImprove http://spectre.pro fileBuild_* options are redundant, linux|macos|win32|win64 options are already available for qmake; add separate library includes for win32 and win64; don’t use C:\some\system\path includes; add multiple small improvements and fix warnings.Time estimate: 1-2 weeksTor & Tor obfuscation upgradesWe will integrate the latest version of Tor that includes ‘obfs4 - The obfourscator’ that is a look-like nothing obfuscation protocol. This means that the whole of the Spectre network will under Tor ONLY and all the nodes will connect through a .onion address. In addition, the obsf4 protocol means that the Tor traffic itself it hidden from the ISP and so Spectre will not be blocked in China, Iran and other countries that aims to block Tor use. Yawning/obfs4Time estimate: 3-6 weeksImplement autoupdater submoduleUpdated versions will be automatically downloaded from GitHub release pages when user starts an older version of app on his/her machine; this will signNowly simplify distribution process.Time estimate: 3-6 weeksAdd support for Google BreakpadWe are committed to producing high quality and efficient code. The addition of error reporting features means that the application will exit cleanly on any crash and a crash dump will be generated automatically; on the next run user will be asked to send this dump to us. This will enable us to deal with bugs more efficiently. breakpad/breakpad - Git at GoogleTime estimate: 4-6 weeksAnonymous Chat UpgradeWe will update / upgrade the anonymous chat function in Spectre by making it more user friendly and intuitive. We will work towards a solution that will enable users to send files over the Spectre network anonymously.Time estimate: 12-24 weeksAnonymous ‘Spectre Tokens’ upgradeSpectre is a 'two-token' system and to complete totally anonymous transactions you need to use the 'Spectre-Tokens' (LINK). During the growth phase of the project we have seen that we need to rethink the way in which the 'Spectre-Tokens' are created and utilised. We are seeking to break down denominations further and create a pool of 'Spectre-Tokens' that can be combined into the desired amount to send. In addition, we seek to develop a new GUI module for sending 'Spectre-Tokens' where you will be able to easily choose the level of anonymity and see the amount available in the pool. This is an improvement from the SDC code. We will also seek to research ways of keeping the pool of 'Spectre-Tokens' topped up.Time estimate: 12-24 weeks

Esignly is an e signature app which provides proficient and innovative e signature solutions to its customers. Esignly is a product of Cyber Infrastructure (P) Limited and offers a line of services right from creating, signing, and sending to tracking and managing documents online.This electronic signature app provides its user with a single account which can le logged in from any electronic device and access it anytime.Here is a list of features provided this app that proves Esignly’s reputation in the industry as an admirable Digital Signature Tool-API- Helps in doing eSignatures swiftly ...

“Rail travel at high speeds is not possible because passengers, unable to breathe, would die of asphyxia.”-Dionysius Lardner, Professor of Natural Philosophy and Astronomy at University College, London, 1830It hurts my heart to see an esteemed university publish such a regrettable article.  It is also shocking that there was no empirical based insight published, just agenda ladened conjecture.  In some ways I am not surprised.  Academia has misunderstood the payments industry for over 50 years and I have tried and have been successful to help quite a number of well known professors understand the details.  However, if one were to go by the postulations some Professors have presented over the years, the payments industry should not exist.   There is much to learn from these insights and surprisingly many of them were adopted by some payment startups, advisors, board members and VCs.   I will address the idle conjecture from this article, section by section:Apple Pay’s Technology Adoption ProblemApple wants to convert your iPhone into a digital wallet with Apple Pay. Professors Benjamin Edelman and Willy Shih assess its chances for success and wonder if consumers have a compelling reason to make the switch.This is a mostly correct insight.  It may turn out to be ironic wording on the part of the author.    To be clear, no one needs to “switch”.On the eve of debuting its digital payment system, Apple Pay, two Harvard Business School professors think the Cupertino company will have trouble coming up with an equally compelling message to drive sales of a service that allows you to pay at the retail counter with a swipe of an iPhone.No iPhones are “swiped” during a transaction, they are held at short distance for a few seconds in front of a customer facing terminal. "What does it do for me as a consumer?" asks Associate Professor Benjamin Edelman. “Why would I want to trade for something that already works [e.g. credit and debit cards], something that doesn't complain when it gets wet in the rain, something that doesn't complain when I launder my pants?"Why would I want to trade in an iPod, for something that already works, the Sony Walkman and use the cassette tapes that already work.  This is a comment that shows a professor that truly does not understand the history of technology. Especially, he adds, when those cards give users and additional 1 or 2 percent off the purchase price. “I think Apple has its work ahead in convincing thoughtful and potentially skeptical customers," says Edelman.There is little that one can draw from this passage.  There is no loss of 1 or 2 percent if the cards offered them before, they will be offered in the exact same manner via Apple Pay. ON WITH THE SHOWReports say Apple will roll out the digital payment service later this week, with perhaps more details coming at a press conference Thursday. But will it catch on, especially when several other similar services with big name sponsors such as Google have failed to gain much traction?The element that was overlooked by this professor is the fact that very little is similar to the business processes and business relationships Apple used in relationship to Google.   Apple choose wisely to work with every element of the existing payments ecosystem.  History will show, and likely this university will teach, that this was the primary premise that made Apple Pay the largest change since the invention of the magnetic stripe. Apple has a chicken-and-egg game to solve. Consumers won't use the service unless they are in use at a compelling number of stores. But merchants won’t install the expensive near field communications readers used by Apple Pay unless consumer demand is high.First off, Apple must convince merchants to adopt its service, says Willy Shih, the Robert and Jane Cizik Professor of Management Practice.“I THINK APPLE HAS ITS WORK AHEAD IN CONVINCING THOUGHTFUL AND POTENTIALLY SKEPTICAL CUSTOMERS”Only about 10 percent of retailers use NFC readers, and at least one retailer—Best Buy—stopped using them because they were too expensive. Officials with both Best Buy and Walmart have said the retailers have no plans, at least right now, of accepting the new payments technology in their stores.There will always be a “Chicken / Egg” issue with any system that would require equipment upgrades.   However this article assumes over 200,000 of the most popular businesses in the US is not “a compelling number of stores”.  It took 30 years for Visa and MasterCard to have over 200,000 businesses.   It took over 5 years for Discover to have over 200,000 business locations.   The professors did not even do a single empirical study to gain insights about the number of actual businesses and the demand to upgrade.   I am performing these studies and can say that early results point of almost 300,000 locations and a demand that has shot up by over 3,000% and growing among small to large businesses.Thus Apple will not have “work” to convince merchants, the huge drive is coming from merchants and banks wanting to implement the service.Best Buy stopped using NFC for only one reason, they were not paying PIN based debit rates for these transactions and Apple is on the way to get these types of cards to be confirmed using biometric PINs.  Shih believes merchants who consider adopting Apple Pay will naturally wonder: What do we get out of this? And they will specifically want to know if they will be asked to pay higher fees than credit card companies are charging?The data that Professor Shih has is invalid.  The merchant is paying the exact same rate as with any other credit card.   What they get out of it is manifold but no one can argue that the increase in speed is one foundational benefit. "Consumers might be motivated to do it, but if I don't have the merchant side in place, it doesn't matter," Shih says. "The merchants certainly aren't going to be motivated if the economic model is less favorable than today. It’s a complicated puzzle."The data that Professor Shih has is invalid.   The economic model is not a “complicated puzzle to anyone other then Professor Shih.Apple has touted that Apple Pay will be supported by several leading retailers, including Bloomingdale's, McDonald's, and Macy's—and that it will work at about 220,000 merchant locations across the United States that have enabled contactless payments. But some analysts believe that's a small number compared with the nine million US merchants that currently accept credit cards. In short, Apple has a long way to go to knock off the established credit card system, Shih says.There is some valid information here.  However 80% of the dollar volume in retail payment card sales come from 20% of merchants.  Apple will have coverage of about 70% of these merchants by year end.  My research suggests that a tremendous number of smaller merchants will fill in these numbers as 2015 winds out. "Ecosystems are very delicately balanced, and the current payment system represents a balance that has resulted from 40 years of evolution. There's a lot of inertia around that," Shih says. "You can have great technology, but you really have to line up the complementary assets so all the pieces play with you and they are motivated to make it work. At the end of the day, Apple is going to have to make the economics work for everybody. That is a hard job.”Professor Shih is still functioning on invalid data about the “economics”.  The economics are exactly the same.DO CUSTOMERS CARE?Which brings us to the customer side of the chicken-and-egg conundrum. Millions of shoppers have used cards for years, with little hassle. Edelman points out that people will continue to carry cards even if digital payments gain some traction, so the barrier to overcome for mass acceptance is even higher.Millions of people used payment cards every day at Starbucks.  But somehow  6 million weekly transactions in the U.S a full 15% of transactions made at the U.S. Starbucks-operated stores are made on the Starbucks wallet.  The barriers these users overcome are huge, they have to buy credits using a payment card to even operate the wallet, yet this barrier is overcome 6 million times per week.Edelman has studied Bitcoin, a software-based online payment system, and he sees similarities between technology adoption roadblocks Bitcoin has encountered and issues Apple Pay is likely to face."Apple Pay has the same problems as Bitcoin: There's no reason for the regular consumer to use it," he says. “Why would a consumer want to make a $100 purchase with Bitcoin when the consumer can pay with a credit card and get 2 percent cash back?"There is absolutely no comparison to Apple Pay and Bitcoin.  Professor Edelman is also operating on invalid data.  The payment card that pays 2% back will continue to pay 2% back with Apple Pay.In addition to the limited number of merchants, Apple Pay appears to be limited to users of the latest iPhone 6, iPhone 6 Plus, and Apple Watch—which leaves out many consumers with older iPhones or Android models.“Apple might be hamstrung by an incompatibility issue that the company intentionally introduced," Edelman says.The system works on iPhone 6 series phones.  There is no doubt that there will be similar Android initiatives.  The picture is very clear, if you have an iPhone 6 series phone, it works.  This is not an incompatibility issue. Shih agrees that selling technology is tricky in a market full of incompatible products.Yes, yes it is."We're in a period now where you see this design competition with competing offerings, and on top of that, you have a platform competition where everyone has their network effects," he said. "It's like PlayStation versus Xbox. The technology convergence has brought us to a place where people are scrambling to come up with a new platform and trying to become the new dominant design.”Great insight about video game platforms.  However they have no analogy with the subject of Apple Pay.Other companies that have attempted mobile payments have run into similar problems. Google Wallet was limited by its compatibility with different types of phones and cellular networks. And Softcard, which was backed by major wireless carriers, has seen little traction with its mobile wallet for similar reasons.This is correct.  This is one of the most accurate insights from these professors.   The destiny of Google Wallet was never in the hands of Google and thus it contributed to the failure of the system.  This is not the case with Apple Pay.  PITCHING SECURITYOne marketing pitch Apple is sure to try out with potential users is security, especially after notable bsignNowes at Home Depot and Target. When a customer pays with an iPhone, cashiers won't see the consumer's name, credit card number or security code because Apple uses a fingerprint reader on its recent iPhones to confirm identities. And when consumers add a credit or debit card with Apple Pay, the card number is not stored by Apple—instead, Apple provides a unique device account number for each transaction. In addition, the company says it won’t collect consumers' purchase history.Very accurate assertion.Edelman questions whether addressing security and privacy will be enough of a carrot to wean consumers off of their beloved plastic. Hesays other companies have tried to market the security angle, including the RevolutionCard, a PIN-based credit card that had no name, signature, or account number on it so that if it got lost or stolen, it couldn't be used unless the PIN was known. "It was stillborn," Edelman says. "It didn't work as a feature set. No one cared.”Professor Edelman is partly correct about the failure of  Steve Case’s Gratis Card and The Revolution Money Card.   However the professor is operating on invalid data.  Apple Pay is not a card replacement.  Apple Pay is a security wrapped around the existing payment card issuer relationship.“APPLE PAY HAS THE SAME PROBLEMS AS BITCOIN. THERE’S NO REASON FOR THE REGULAR CONSUMER TO USE IT”Even recent high-profile data bsignNowes have not led consumers to abandon credit cards in signNow numbers. "Security doesn't work for the thoughtful consumer," Edelman says. "(Data bsignNowes) mostly mean inconvenience for the consumer because the losses are really borne by banks, merchants, and credit cards, not by consumers."Besides, Shih wonders whether data will be any safer with the Apple Pay system.I think Professor Shih may need to conduct a study on how the Target bsignNow impacted consumers.  I have not conducted a deep study but can state clearly that some consumers had their bank account zeroed out in the early days of the bsignNow and the banks were not crediting back the transaction that appeared “valid” from debit card bsignNowes.  I know of a case where a single mom had missed rent and food because of the missing funds in her checking account for days.  Although this is anecdotal, there are many examples vetted by the media. I would also ask Professor Shih  to speak with any merchant that has been a victim of a major bsignNow about how systems like Apple Pay would have saved them millions of dollars in fines and replacement costs to card holders. "The fingerprint reader generating a unique code is pretty smart," he acknowledges. "But it electronically seems to do the same thing as a PIN code. And to the extent that the code goes into the existing payment network that's still not secure, have we really accomplished anything?"TouchID is far and away more secure then a 4 digit PIN code.   The math is quite simple.   But just the logic, it take very little time to guess a PIN number.  It takes a great deal of time to try to fake a finger print that is acceptable to TouchID.  In many cases it is impossible to fake a fingerprint unless you have intimate access to the target.  Thus a faster way to steal money is a PIN number and not a finger print. CAN YOU PAY ME NOW?Other technical questions remain. Edelman wants to know whether Apple Pay will work if the phone isn’t charged, or in areas with poor cell reception?This would be better addressed by studying the technology and not using a  a guessing game.   Apple Pay will work with zero cell or WiFi reception.  Apple Pay will work with a low battery.  Apple Pay will stop working if there is no way to power on the iPhone.  Apple may release more details tomorrow, so time will tell whether the company will address some of the system's potential shortcomings—and perhaps more important, whether regardless of any shortcomings, merchants and consumers will embrace this new mode of payment. Either way, even if Apple stumbles with its mobile wallet, the company will likely survive the reputation hit.Yes, they addressed the shortcomings.  Apple announced that instead of 7 banks supporting Apple Pay payment cards, there are now over 500."Any failure Apple experiences here will be more than offset by the legions of fans that like their other stuff," Edelman said. “I'm not losing any sleep for Apple."I think Professor Edelman can sleep soundly.    He has articulated how some academics, even notable academics are all too human.  We are fallible.   I hope that history is kind with these Professors.