That means 93.9% don’t use Apple Pay.

Karen Webster, PYMNTS.com »

After seven years, Apple Pay’s adoption and usage isn’t much larger than it was 2015 (5.1%), a year after its launch, and is the same as it was in 2019, the last full year before the pandemic.

Even now, in the age of digital-first consumers living in a connected, digital economy, Apple Pay’s stiffest competition in the store, ironically, remains that piece of plastic – the raison d’etre for its development and the intended target of its super-hyped potential in 2014.

In fact, the growth in total Apple Pay transactions since 2015 has come almost entirely from more stores having contactless terminals to accept it, more people having new iPhones that can use it, and the overall growth in retail transactions.

And almost none of that growth comes from more iPhone users wanting to use it instead of plastic cards.