Why peer-to-peer Apple Pay is a great idea

Even in 2017, paying for things is still mostly terrible—even more so now that a multitude of options seem to confront us every time we step up to a register: Do I swipe? Insert my card? Enter a PIN? Sign my name?

When Apple Pay launched in 2014, it came with the promise of reducing much of that complexity. Just tap your phone or Apple Watch to the reader and you’re done. That hasn’t exactly panned out, thanks to both the fragmentation of payment methods and less-than-universal adoption of Apple Pay.

Still, given the inroads that Apple has made in paying businesses, it’s somewhat surprising that the company hasn’t yet jumped headfirst into person-to-person payments. However, if a report in Recode this week is any indication, Apple may be eyeing just such a move. And the benefits for its users could be tremendous.

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