device. Now, with the Apple Pay app, they do away with the need for physical credit cards. Once the Apple Pay has been downloaded, all one needs to do is point the phone at the retailer’s Near Field Communication reader and press the “Touch ID” part of the iPhone screen. No need to open the app each time. Apple Pay avoids time locating credit cards and the risk of putting them back in the wrong place. The process is also expected to reduce credit card fraud. The genius, 5-second demo video is the most effective one I’ve ever seen. The 5- second length alone says/shows how incredibly simple and time saving Apple Pay is.