I'm not one to pre-order a product before I've seen it in person. But yesterday I took the unusual step of paying $55 for a new form of digital payment technology called Coin that I won't even get my hands on until the summer.
Unlike so many mainstays of the trendy digital payment revolution, Coin (onlycoin.com) doesn't require retailers to do anything. They needn't install a new point-of-sale system, one of those little smartphone scanners or make any investment of time or money at all.
Unfortunately, retailer adoption has been the impediment to digital wallet technology exploding. It's up to consumers alone to make the leap.
And unlike so many newfangled digital payment services and methods, Coin solves a real problem that I actually have: the annoyance of having to carry all those darn pieces of plastic in my wallet. Coin is a card that acts like all of your current credit cards in one, and it's the only one you need to carry around.
No more fumbling through your wallet for the Visa or MasterCard because a particular merchant doesn't take American Express. Simply press a tiny button on the Coin to select which card to use. It's like smart plastic. Setting it up involves swiping your credit cards through a reader that Coin sends you along with the card.
Even cooler: Coin has a little Bluetooth signal that links it to your phone. If you happen to leave it at the store, your phone will notify you that your Coin is out of range.
It was striking to see how the future of digital payment technology played out at the Consumer Electronics Show in Las Vegas this week — the idea apparently being to make this more complex, not less. The conference featured several digital payment startups pitching biometric point-of-sale scanners.
In other words, you'd scan a fingerprint or your iris to confirm your identity when using a credit card, supposedly making data theft less likely. But I'm not sure biometric scans solve the underlying problem: data is vulnerable, whether it's a fingerprint or a credit card number.
Coin doesn't solve the problem of identity theft either. But I'm holding out hope that it will make one small aspect of my life just a bit easier, which is precisely what technology is supposed to do.
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