Apple Pay: Two Months In

October 18, 2019
4 min read

We’ve just got to Spain and despite of it being late at night decided to go swimming, the sea was about 3 minute walking distance from our hotel, so we’ve changed in the room, took towels and nothing else. I had only my Apple Watch with me. We’ve went to the sea, had a nice swim (which my Watch tracked as an activity) and on the way back we saw a bar. We went there and as nobody had a wallet, I’ve bought drinks for everyone with my watch. Tell me this 10-15 years ago, I wouldn’t believe you.

There are different types of technologies – the ones that disrupt, the ones that improve or worsen our lives and the ones that blend seamlessly into our lives and it feels like they’ve always been there.

When you first pay using Apple Pay it just feels right. It’s easy, fast, natural and secure. The one problem? During the presentation I though we would never get it in Latvia. When AirPods came out I had to wait 9 months before I was able to buy a pair. We still, after a year, don’t have EKG (although most of the Europe does), so imagine my surprise when one day out of the blue I see news that Apple Pay is available in Latvia. Five years after it was announced.

I immediately opened Wallet app to set it up both on my phone and my watch. It is still available only in mobile payment systems – Revolut and Monese (although Swedbank is promising the support soon), no other local bank offers it, so the barrier to entry right now is a bit high for users. It took me a minute to set it up and 5 minutes later I was using my watch to pay for coke. It felt like I live in the future.

It is now about two months since launch in Latvia and it feels like there wasn’t any other way before. I’ve used the physical card just a handful of times and mostly outside of the country.

My wife asked me to help her order Revolut card, so she could use Apple Pay. I’ve had a couple of waiters ask how is it possible to set up Apple Pay and they seemed very enthusiastic and really wanted to try it out.

Here in Latvia, almost every terminal is equipped with NFC reader, so I’ve only had one time where I couldn’t use it. After about a week I’ve left my physical Revolut card at home and never looked back. I have one back-up card in my wallet, but it almost never gets used.

I was surprised that there are a lot of terminals that don’t have NFC in Lithuania, granted it wasn’t the capital, but the smaller touristy city, but still. In Russia on the other hand contactless terminals are the norm. Even in some god forgotten little towns where cashier is a babooshka you can pay with your watch or a phone.

I love that there are no limits using Apple Pay, like there are with contactless. I’ve paid large amounts without the need to enter PIN, just pushing the button on the watch.

The offline story is very well covered here in Latvia, unfortunately not so much online. I was able to try out Apple Pay on a website just once, but it was a blast. There are a couple of apps that I use that added Apple Pay as their payment option (mostly apps that rent e-scooters), using those makes me wish every app and website supported it.

I hope more banks add the support for the Apple Pay in the future, as this is fast, easy to use and most importantly secure way to pay, so the more users have the ability to use it, the better.

Subscription Fatigue

September 20, 2019
2 min read

Millennials invented cable! This is one of the better memes in the long time, but it works so well. I’ve been reading tech blogs for a very long time and couple of years ago one of the most popular themes was cable cutting. There was a lot of talk, how you can cut the cable, subscribe to a couple of services, buy antenna and save a lot of money.

For some time Netflix and Hulu (in the US) were the ones to have. There was a lot of content, some old, some new, some originals. Now, every company wants to build its own subscription service and charge for it about 10$ a month. And as this is the golden age of the TV you’ll want to watch them all. Subscribing to Netflix, Apple TV+ and Disney, for example, would be about 30$ per month. Add to it Apple Music or Spotify (that’s another 10$) and probably gaming service or two (Apple Arcade and PSN). 50$ and that’s not even trying. Want to watch Office next year – another service.

This all adds up very easily. Apps are implementing subscriptions more and more. Weather apps, Twitter clients, writing apps, Podcasts apps. Everything is a subscription.

For the video services, my plan would probably be keeping Netflix and adding one other services. The service I add will depend on the content it has. There is something new on Disney+? Subscribe for a month or two, until I watch it and something else pops up on another service.

When music streaming became a thing, it destroyed piracy in some markets, as it was much easier to pay and listen to all the music you want, without the need to download, clean meta-data, upload to the phone, etc. Now, with all those video services coming out, I have a feeling, piracy will again rise. You either look for it on some shady website, where it is all lumped together or you take your time to figure out which service it is on. Sure, something like Apple TV could help (app, not a device), but already not every streaming service is in there (and Netflix will never agree to be added).

I hope I’m wrong and those services will prosper and companies will have funds and willingness to produce more great shows.

How To Clean Your Apple Card

August 26, 2019
2 min read

If your titanium Apple Card comes into contact with contaminants that can cause stains, follow these steps to clean your card:

1. Gently wipe with a soft, slightly damp, lint-free microfiber cloth.

2.Moisten a soft, microfiber cloth with isopropyl alcohol and gently wipe the card.

Some fabrics, like leather and denim, might cause permanent discoloration that will not wash off.

I was surprised to see the amount of hot takes this Apple support article got last week. Blogs called the card precious, the instructions – insane and wild, and some are proposing you leave your Apple Card at home. Which you should probably do, as it is mostly designed to use with the Apple Pay.

On the last episode of The Vergecast the theory was – Apple didn’t get the physical card before even shipping it (which is nonsense, believe me, I work in the FinTech company) and that Apple became so out of touch, they’ve handled it only in the sterile environment.

It is a white card, every credit card gets warned out and scratched. For some cards it takes longer, for some faster. I think Apple did test the card and that it is precisely why they’ve put this article. It is the same as other cards, it will discolor as any other card and when it does for tech-bloggers – it will be the end of the world. So put the article now, make everyone have a good laugh and forget about it.

Bill Gates Says His ‘Greatest Mistake ever’ Was Microsoft Losing to Android

July 7, 2019
4 min read

Tom Warren at The Verge wrote an article about Bill Gates interview and I want to start with one particular part.

Many had assumed that Microsoft’s missed mobile opportunity was a Steve Ballmer era mistake. [Ballmer famously laughed at the iPhone]() , calling it the “most expensive phone in the world and it doesn’t appeal to business customers because it doesn’t have a keyboard.”

This is a pet peeve of mine. Ballmer did laugh at the price of the iPhone, but what nobody mentions again and again – Apple cut the price shortly after the release of the phone. The price was too high at that time. This doesn’t excuse Microsoft form blowing the mobile, but I think journalists should be factual.

Regarding Gates statement, Google did win the smartphone war, but after that Microsoft became so much more. For the user all of this is good. The more companies there are the better. If Microsoft dominated mobile market together with the desktop, I don’t think anything good would come out of it.

I’m mostly all-in in the Apple ecosystem, but I still use Microsoft Office and gladly pay for it (as Microsoft made it pretty easy). I try not to use Google products, from the privacy perspective. I have Google account at work, but try not to use anything for personal stuff.

Another interesting point is that in technology somehow, we’ve come to the place, where competition is not as strong. We have one dominant player, second – distant one and nothing after that. Take desktop OS as an example, there is Windows which is dominant, than there is a macOS and … it will never be the year of Linux on the desktop. Only now, when the market went to tablets, do you see ChromeOS emerging mostly in schools and universities.

Search is another example. In most of the countries there is Google and nothing else. In post-soviet countries Yandex mostly dominates with Google being second. But even Microsoft with all of its money and position with desktop OS can’t make Bing a worthy contender. And taking it back to the Bill Gates quote – mobile OS. There is Android which dominates market share. There is iPhone which dominates hardware revenue and nothing else. A couple of players tried to enter the market, but without the 3rd party developer support there won’t be users and without users, developers won’t have reason to build their apps for another OS.

Although two players make competition, but duopoly is not the best situation. For most of the people there is no choice. In the mobile OS market, if you want to choose another player you loose a lot. If you want to leave iOS for Android, you will become green bubble, you will lose access to your movies and TV shows, maybe music you bought. You won’t have first party end-to-end encrypted messages. You won’t be able to use Apple Watch. AirPods won’t work as good as with an iPhone.

Consider car manufacturers. First of all there are a couple. You have an actual choice. Japanese, German, French, Italian, Korean, American, etc. If you drove BMW and want your next car to be Audi, what will you lose? At most the membership in the Facebook group. Nothing else. You will just change your car.

Vendor lock-in is an interesting dilemma. I benefit from it a lot in the day-to-day life. Having everything from Apple makes it play together nicely. As an example, I unlock my Apple Watch with my iPhone and later my MacBook with an Apple Watch. It all syncs, I use Apple Music as it works better with a Watch and Siri, although Spotify might even be a better product. But on the other hand, if Apple starts (or one might say already started) making shitty notebooks, it will be hard to buy Windows PC or Chromebook, as they won’t play so nicely with my other devices.

And here we come to a point. Although I am a strong believer in the market making everything right, maybe in some cases some intervention is good? It helped to stop Microsoft dominance, because it felt government looking over the shoulder at every move the company made, so decisions were informed by that. Should the US government break-up Apple? I don’t think so, but we should be asking those questions and not blindly following everything the company does.

Podcast Listening Speed

May 31, 2019
2 min read

Yesterday I’ve wrote about the year of less, one of the last things I’ve changed is the podcast listening speed. Not long after I’ve started listening to the podcasts, I’ve subscribed to a lot of them and in order to even try to keep up, I’ve had to use Smart Speed function of Overcast and also listen at 2x speed. Most of the shows I’ve listened to sounded good, especially with Overcasts sound engine.

But after about 5 years I’ve realized, like with TV shows, it’s just not possible to listen to everything and so it’s better to up the quality of the listening. I also now think it’s much healthier to listen at normal speed. Unfortunately after such a long time listening at 2x speed it’s hard to get back. I tried to listen at 1x from the start, but it’s not possible, so I just reduced a speed bit by bit. Right now, I’m listening at about 1.25 – 1.5x, but podcasts in Polish I listen at 1x. I feel how much easier it is for my brain to process the information. In today’s world we are bombarded with information from every corner and reducing the amount of it when you can feels nice.

Samsung Galaxy S8

March 29, 2017
1 min read

I was never a fan of Samsung phones, but after quick glance at some first looks of the new phones, there are a couple of positive thoughts about the device. 

1. I think even John Gruber will agree – FINALLY there is no space on the front of the device to put the stupid SAMSUNG logo, I hope most remember without constant reminders what phone they use. 

2. There was one shot in the Casey Neistat’s video for which I’ve paused, took screenshot and looked at it for about a minute.

Here, an iPhone looks dated. This edge to edge screen next to the iPhone looks like the first iPhone looked next to the smartphones with buttons. This is clearly the way forward. 

Very much looking forward to see what Apple will show at it’s September event. iOS and the edge-to-edge display would be instabuy!

iOS 10

September 19, 2016
2 min read

Probably the biggest change in the iOS 10 for me is lock screen and all that’s changed about the locked phone. Only after updating did I notice, that I had a few habits that are hard to change. One of them is putting my finger on the Sleep/Awake button while getting the phone out of the pocket and pressing the button to see the lock screen as I look at the phone. What happens now, is I get the phone out of the pocket, it automatically turns on, because of the Rise to wake feature and I turn the display off, by pressing the Sleep button, so then I need to wake the phone, by pressing Home or Sleep button. I have mostly changed the habit in less than a week of using the iOS 10, but there are those little things you don’t notice while using the phone.

Also, the big change — sounds. I’ve always been in love with Windows Phone keyboard sounds. When I’ve had Android phone, I was looking for a keyboard, that made sounds similar to WP. Now on iOS it comes pretty close. I love those new sounds. Actually, I’ve had my phones muted for about two years and now more and more I keep turning the sounds on, just to listen to the keyboard sounds. 

This year Apple made a very solid update to the operating system. It totally feels like a new phone after installing iOS 10. Love all the changes introduced. 

Hockey and Today Widgets

May 24, 2016
2 min read

IIHF World Championship is over and I’ve already deleted the official app, but there is one thing that stays and that’s the habit of using Today widgets. It was so easy to look up scores in Notifications center and not by opening an app that it got me thinking – maybe other widgets can be useful too. 

Right now I’m trying to better understand which widgets I would like to use, so I add/remove one every couple of days and see which ones stick with me. Excluding IIHF Today there are currently three other widgets – MyFitnessPal to quickly glance at my remaining calories (I’ll post about my diet and logging food later), CoinKeeper – for quickly adding expenses and I’m experimenting with using different Weather app instead of default one, so the last widget is WU Weather. 

I couldn’t find much use for widgets for half a year I use iPhone, until I found one use case which was appealing enough for habit to stick. When I’ve used Android I’ve used widgets a lot, but those were on the home screen and it was easier, because they were always there, on iOS, you have to remember to go to Notification Center and then scroll to the side. I still think that widgets as they are implemented on Android make more sense, but iOS widgets are not as useless, as I thought before.

Comparison videos

April 17, 2014
1 min read

Love comparison videos from thematic blogs. “Let’s see how they will handle Skype calls and the winner is Cortana!” Really? Makes sense, doesn’t it, since Microsoft owns Skype. Author could have tried making FaceTime call on all of the platforms and I think I could guess who the winner would be. 

And when asking for nearby restaurant, Google Now gave a result of one, that is 0.4 miles away, while the closest one from Cortana was 8.9 miles away, I’m not sure you can call it a tie. 

(Source: https://www.youtube.com/)