Why Apple Pay will succeed where ISIS(Softcard) failed

I have been using Softcard for a while(may be one of the few people who use it in Phoenix). I use it only because Serve gives me $1 cash back for every transaction.

Below are my pain points when using with Softcard aka ISIS

• I have to unlock my phone using pin
• I have to find the app which crashes every time 
• I have to open the app

Below are the other reasons for no adoption of Softcard:

• Need to get the right phone. Doesn't work with Nexus
• Need to get the right sim, phone companies never give you that unless you ask
• App is not user friendly band integrated to OS

Apple Pay solves all this:

• Unlocks the phone, opens Apple pay when near terminal
• Authorizes the transaction using the perfect fingerprint reader TouchID
• No special Sim needed
• Seamless, beautiful 

Apple Pay is going to succeed where Softcard/ISIS and confusing Google Wallet failed. 

Simplicity is the key for a successful product and Apple always does that right. 

As they say "We say hundred No's for a single Yes"