Chicken and egg
"the industry firmly believes that the only thing preventing the use of contactless payments is lack of familiarity with the process"
Er, no...the barrier to widespread use is a cronic lack of opportunity to use contactless payments.
I've been waiting to be able to use this tech on my phone for literally YEARS! I wasn't able to take advantage of the capability on my last handset, and there's a fair chance my current handset will reach retirement before taking part in any public bonking for money.
I'm really tired of reading about how the industry doesn't understand why adoption is so low. Until not that long ago when McDonalds implemented it, (and did it properly by doing it in every store, not just a few select flagship stores where it's been trialled), there was practically nowehere for me to use my lonely contactless enabled Barclays card, the account which I opened PURELY to get a contactless card. Yes, I'm a nerd, so what.
If you happen to live in just a normal market town, not London, and aren't an Olympic athlete, you will struggle to find many places that have the contactless terminals. Beyond that you have to wrestle with checkout operator ignorance and faulty kit.
So please, everbody, only once the entire realm is carpeted in enabled, working contactless terminals, and all staff have at least had the concept explained to them, then, and only then, will it be fair to make judgements about popularity and adoption.
And I for one think that once we're at that point, contactless payments will be ubiquitous.
Right! I'm off to drive 21 miles to a McD's just to spend 99p by contactless, whilst consoling my phone with some mobile banking.