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Question of the Day: Do Mobile Payments on Android Wear Make it More Appealing?

With the launch of Android Wear 2.0, NFC support for mobile payments has been introduced. Does it make Android Wear more desirable as a wearable OS, though?

Currently, only a small portion of Android Wear devices support NFC. The big names include the new Watch Sport, Huawei Watch 2, and Watch Urbane 2nd Edition LTE. As time goes on, we will likely see more smartwatches come with NFC, but will it even matter? Is Android Pay a real draw to potential buyers?

As an example, say the perfect Android Wear watch was announced. You like the looks and the price is right, but it doesn’t come with NFC support. Is that a deal breaker for you?

Again, here’s the full list of watches with NFC.

  • LG Watch Sport
  • LG Watch Urbane 2nd Edition LTE
  • TAG Heuer Connected Modular 45
  • Huawei Watch 2
  • Verizon24

So, the question is, does support for mobile payments make Android Wear more appealing to you?

  • Brett Smith

    Yes a Requirement, Just one less thing I have to pull out of my pocket to pay with.

  • TC Infantino

    No, I still don’t find any compelling reason to wear a smartwatch.

  • Steve Palchik

    After Discover and Google but gave me the runaround on a fraudulent charge, I’m out $60 and will never use Android Pay again. You’ve been warned.

  • JimmyHACK

    They do, and I was hoping for the best. The size and limited carriers for the ne LG Watch though had me just get the Gear S3 Frontier instead. Couldn’t be happier.

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  • sr20s13

    Sure, but to me all the watches are not my taste. Just remake the OG Moto 360 please!!!

  • MH

    Not really

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  • Jimmy Roche

    If the watches that were good before kept the same design I’d say yes, but the only watches with NFC so far have developed a cluttered fitness based design

  • MrGulio

    MST on the Gear S3 is one of the biggest features that I use it for.

  • Armorthane

    Wouldn’t buy an Android watch to start with so mobile payments on it mean nothing. And I don’t use mobile pay on my phone either.

  • sholling

    I own a Gear S3 Frontier and in my opinion secure mobile payment is one of the few (the only?) killer apps that make a smartwatch close to worth the price and hassle of charging every one to two days. After all, you can have the time, calendar, notifications, and weather reporting and all of the fitness functionality and much better (3-4 days) battery life on a much lighter and cheaper Gear Fit 2. I find that I use my S3’s Samsung pay more than I use my old fashioned plastic.

  • Allen Baynard

    Nope, don’t care. The best part of owning a watch is not having another device that has to be babysat, and constantly recharged. My phone already has that capability. Smart watches suck, and don’t give any wanted, or needed capabilities that my other devices don’t already handle in a better way.

  • Kevin Davis

    Nope, been there, done that.

  • I think so, but the location of the NFC antenna really matters. Having NFC on the watch face makes contactless payment a weird, wrist bending endeavor.

  • Dan

    Just a little, I still wear the original Moto 360; it works.

  • JLV90

    I’d say it depends on how easy it is to activate android pay if it takes longer to get to the app to launch and work than on a phone no.

  • EarlyMon

    Nope. Original Huawei Watch ftw.

  • LJay

    If it’s not Samsung Pay, I don’t want it….

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  • Noeltorious

    No because I’m not buying a fourth AW watch to do something I already use my phone for….where available. Should’ve been included from the beginning. Not worth upgrading again

  • jrod3737

    Android Wear is still at least twice as expensive as it needs to be. Mobile payments don’t change that.
    Source: former Moto 360 owner

  • blindexecutioner

    No

  • Daishi

    No.

  • Cormac1

    Not really. Like the Apple Watch, since Android Pay is limited to NFC terminals, you cannot count on being able to use it everywhere. If you have to have your phone or a wallet, it’s not much added value. With MST capability, the Gear S3 lets you leave your phone and wallet home (even if you have the BT only version).

  • Rabid Rotty

    No because Android Pay is not available in Canada

  • neo1738

    Yes, love it on Gear S3

  • LionStone

    Hell no… It’s redundant since my phone already works perfectly for mobile payments.

  • MJ

    It would if there were any watches with NFC and Android Pay I wanted to buy…

  • Vernon Cowles

    Truthfully no. It would be cool if Samsung allowed the other android manufactures to use Samsung’s technology because it’s so much better than Android Pay. It works absolutely everywhere where there is a magnetic strip aside from gas stations so I don’t even use Android pay on my gear s3 or my s7.

  • Benjamin Parker

    Actually, yes. It’s the only feature I want that my current watch doesn’t have.

  • Cliff Keene

    I got the Gear S2 and have yet to activate my mobile payment on it…..Not really going to either just like a meh moment my phone is safe enough and just as fast.

  • AndrewScottRox

    It’s kinda cool, but definitely not a deal breaker. I mean, it’s a watch. If I’m wearing a watch it’s likely that I’ll also either have my phone or wallet on me.

  • SchwannyT

    Nope. Used the Android pay a few times. Got tired of screwing with it for ever holding up the line then just putting my phone away and paying with a card like I should have done in the first place…..

  • NexusMan

    I want NFC because 2.0 supports it, and the more functionality the better, but it’s not something that would sell me on AW if I wasn’t already sold. (Which I was already sold on, anyway).

  • Yeah

  • Kanoosh

    nope , and the idiots that say “yes” don’t actually use it.. i have not seen ONE PERSON use their smartwatch for mobile payments..or even their phone for that matter.

    the popularity is not there yet and most people don’t even have a smartwatch let alone one with android wear and android pay on it.

    • NexusMan

      Because AW watches are just now getting the functionality. As for the Apple Watch, most iOS users typically don’t use many of the features of their phones/watches.

      • Kanoosh

        doesn’t matter when no one has a watch in the first place.. and smartwatches are going for ridiculous prices on top of that.. smartwatch’s are on the decline fast without a cheaper alternative to get everyone off to a start.. so doesn’t make any sense when people say they use android pay or are going to use it when no one even uses it on their phones barely.

        i also go to the gym , everyday in fact , and have my wallet on me in my bag.. it’s less than 2 seconds to get out..

        i’m not against android pay , but against the “hype” surrounding it like it’s a make or break deal.

        • NexusMan

          You lost me at no one has a watch…Stopped reading after that, as clearly that’s not true.

    • David Lo

      I use mobile payments all the time on my phone.

      • Kanoosh

        but in real life you don’t .

        • David Lo

          Yes in real life. I use Samsung Pay. It works with 90% of POS systems.

          • moew

            But you said you use payments all the time ON YOUR PHONE. Hence on your phone, not with POS.

            I get what you are trying to say, hence why Kanoosh replied like that.

          • David Lo

            I do make payments WITH and ON my phone. ON my phone, I have to authorize the payment with my fingerprint on fingerprint sensor. Anyways, this is all semantics. If you had the intelligence to infer what I was trying to say then I’m sure Kanoosh (assuming he also has reasonable intelligence) did also.

          • moew

            Even with a print, that’s still a payment WITH your phone. Your print is analyzed ON your phone. Reasonable enough, but gawd you forced the verbiage to be 100% wrong.

          • David Lo

            Ok fine. It’s WITH my phone. Even if he misinterpret it and assumed I used my phone all the time to make online payments instead of at a POS. How is that not “REAL LIFE”?? What…does online payment not count as real life? Was I dreaming? Did I not actually purchase something with phone. If you’re complaining about meaning and verbiage, maybe you should ask Kanoosh about that first.

          • David Lo

            Ok fine. It’s WITH my phone. Even if he misinterpreted it and thought I used my phone all the time to make online purchases instead of at a point of sale terminal. How is that not REAL LIFE??? What…was I dreaming when I made a purchases “ON” my phone?? Does online purchases not count as real life?? If you want to complain about semantics and verbiage, maybe you should ask Kanoosh to clear that up first.

    • Chris

      I used it just this afternoon – paid for lunch at Chick-fil-a with my watch. 🙂

  • tomgillotti

    Yes, use it all the time on my VZW Gear S2

  • I’d be a lot more interested if Google allowed it in conjunction with a rooted phone. I hate not being able to root my phone because of that and Pokemon Go.

    • gboybama

      Get a custom ROM with Magisk root. I was able to successfully use AP at Subway the other day using my rooted Moto X Play, rooted Android 7.1.1, so it *can* work. Samsung Pay absolutely would not work however, until I reverted to unrooted stock Marshmallow.

      • Yeah, I was using a near-stock custom ROM and systemless root on my HTC One M8 for a while. I’m personally waiting for my warranty, and official updates, to run out before I unlock and ROM it up.

  • New_Guy

    yep

  • cbn4forums

    Yes, but I want LTE on a smaller watch and these humongous phones.

  • For me NFC trumps LTE in an Android Wear device. But battery life beats all specs.

    Just realized. Yeah, I have android pay on my phone. Which I keep in my pocket. Just like my wallet. Not having to reach to pull out something to pay is good…. As long as I don’t need to charge it before the day is out.

    Call me when someone gets 2 days of battery life out of a proper connected watch/apparel.

    • moew

      Newest Samsung was boasting 3 days, and that’s with a SIM. Did you fall asleep for a few months to not notice that? S3 Frontier.

  • YouthfulGeezer

    No, not at all.

  • jrbmed08

    Absolutely, provided it is a payment method I can actually use. I can’t use Android Pay because I’m rooted. If I could use it independently on a watch (or I get a gear S3 and use Samsung pay), that would be amazing.

    • world_wide_wes

      I typed this exact comment earlier but forgot my login password and got over it lol. I agree wholeheartedly as all my phones are rooted.

      • gboybama

        Get a custom ROM with Magisk root. I was able to successfully use AP at Subway the other day with my rooted Moto X Play, rooted Android 7.1.1. So, it *can* work. Samsung Pay absolutely would not work however, even on my Bluetooth-connected Gear S3 Classic, until I reverted my phone to unrooted stock Marshmallow.

  • Mike

    Nope, but then again I don’t care for mobile payments. Tried it on an S7 with Samsung pay for about a month and found it no easier then just pulling out a card. Maybe slightly quicker but not a need.

    Now an Android Wear watch that looks good with great battery life…..

  • ASYOUTHIA✓ᵛᵉʳᶦᶠᶦᵉᵈ

    I’d buy the new Sammy watch because it has Sammy Pay, Android Pay I have to search for merchants that accept it

  • needa

    Not in the slightest. I have said it before, month long battery life would get me interested.

  • yes, but i still need my bank to support it.!!!!

  • tu3218

    Honestly unless it’s like Samsung pay with MOST, I couldn’t care less.

    I don’t want to have to guess or look around to see if my watch/phone will work with mobile payment.

    That’s why Samsung pay is and will always be the best. Unless someone else develops that technology. If that’s even possible.

    • Beeker

      Samsung pay with MST will become obsolete when enough vendors change their POS system that will allow NFC.
      On most POS the NFC is usually near the screen or on the side. I use Android Pay all the time that it is secure than your card largely the magnetic strip on the back and it is faster than using the card.

      • gboybama

        Obsolete, even though Samsung will continue to work with NFC, even if MST support out there in the wild disappears? Pretty sure the Gear S3 supports both. At the very worst, Samsung would be equal and for the time being, they’re far ahead. Unless I’m missing something.

  • Lars

    Yes, but its not a deal breaker and none of my banks support android pay so I cant use it at the moment anyway

  • drcaveman

    no

  • Raven ✓ᵛᵉʳᶦᶠᶦᵉᵈ

    Call me old fashioned, but I am just not getting into mobile payments. Maybe it is because so few places where I live support them. I have tried it on a soda machine and at a Subway, but that is it. Usually I just use my Debit card and that is just as easy if not easier. So, do I care if it is on my watch? Nope.

  • Joel

    No

  • ChaseM

    Not to me.

    In fact, against the advise of the greater tech community, I picked up a Watch Style a couple weeks ago. Lack of NFC didnt bother me at all. Back when i had an iphone/AppleWatch (ugh) I think i paid via Apple Pay from the watch, maybe once? To me, a smart watch is all about notifications, and controlling my phone while its in my pocket (or arm band, while i’m out running).Oh, & glancing at the time.

    Of course, i’m probably the exception. I rarely even use Android pay on my phone, but that’s largely because by bank doesnt support it, and there arent a alot of NFC terminals where i live.

    But i do love my Watch style. It does what i need, and looks sharp. I wish the battery life was better, but oh well. Not a deal breaker.

  • atc-tech

    Yes. I have already enjoyed having my boarding pass on my GWAR for Delta flights. I think paying with AW Watch would work out as well as that.

  • json405

    Definitely. It would even be more appealing if it were samsung pay compatible.

  • Armaced

    I loved watches until I got my first cell phone. Now I can’t imagine the scenario where I would willingly strap one of those devices to my wrist again.
    https://xkcd.com/1420/

  • Gekko

    i would say yes – a little bit – but i don’t even own a smartwatch. i always have my phone nearby anyway. i use Android Pay regularly at Whole Foods and Dunkin Donuts for my XL black coffee. not much extra effort to use the phone.

  • marcusmarcus2

    Yes, slightly more.

  • Lisa Gierszewski

    Better to have to have it and not need it, than to need it and not have it 😁

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  • Ben Pasternak

    Nope

  • CabbageHeadCat.

    It does, but as the ones I want are a bit thick, I can wait. My phone works just fine.

  • JMAC

    Definitely. Especially if I’m using an app like Stocard to handle a retail loyalty card…after having my wrist swiped for membership, it’s awkward to then switch to a phone to carry out the transaction.

    • Gekko

      you don’t use Android Pay to manage your gift cards and loyalty cards? why not?

      • JMAC

        Stocard has an app for Android Wear that’s pretty great. Mostly, I’ve been using Samsung Pay for mobile payments. I’d happily make the switch though if my watch had NFC.

        • Gekko

          i’m a minimalist. i don’t like duplicative apps.

          • Raven ✓ᵛᵉʳᶦᶠᶦᵉᵈ

            Not me. For instance, I have no less than 5 web browser apps on my phone, lol.

          • T_Dizzle

            I just looked at my phone because you made me curious and I have 6 browsers, lol.

          • Raven ✓ᵛᵉʳᶦᶠᶦᵉᵈ

            Glad I am not the only one 😉

          • Comk4ver

            I used to have four I’ve paired it down to two puffin and chrome Firefox if apps don’t download correctly

  • Defenestratus

    Android Wear was already desirable – and yes, NFC makes it moreso.

  • Kyle

    Nope. Cash is still king.

    • Good_Ole_Pinocchio

      Cash? You mean debit cards?

      • Kyle

        No, I mean cash. Those little green slips of linen and cotton you keep in your wallet.

        • Good_Ole_Pinocchio

          Wallet? Or do you mean card case? Majority of the US prefers using debit to cash. There’s no real upside to using cash.

          • Kyle

            I can think of multiple reasons why I prefer cash.
            1. Wife cannot track it.
            2. I can buy things without an easily tracked trail.
            3. It helps give you a sense of SPENDING money instead of ‘swipe to get stuff.’ (Obviously personal preference there.)

          • Gekko

            thank God i never got married. the last thing i want to do is to have to answer to some cunt every day about how i spend my money that i earned.

          • Comk4ver

            You have issues if you are worried about evidence…

          • Kyle

            I like cash. I have an actual wallet I put actual cash into and a small coin purse my grandma gave me that sits in my right pants pocket.

        • Gekko

          paper and coin currency is dead, antiquated, and barbaric. i despise using it but still sometime need it for tipping – my Uber drivers and cleaning ladies. or if i go to a place for lunch and they require a minimum $10 purchase for credit card use. what a PIA i hate f******g around with change.

  • brian.

    Yes. It makes things much easier.

    I love Android, but currently I own and iPhone and an Apple Watch.

    I always look over to the other side for a phone what will meet my needs, and so, naturally, I look for a smart watch in the same way. Payments on the watch is a must. If the smart watch can’t do it, I don’t even consider it.

  • matt

    Yes, its the one thing I really wanted on my Pebble2, and I was even planning on buying a smart strap to add it, to bad that will never happen. Now i’m waiting for a decently priced (read sub $200) 5+ day battery life, always on display smart watch since pebble is no more. I don’t need to draw on my smart watch, or even have a touch screen, I don’t care about GPS (but understand why some do, to me it would just be a battery drain) an accurate HR sensor would be nice but again don’t really care about it. I want it to be really good at delivering the notifications I want (which pebble is awesome at) and run the few apps that I use (a step tracker for my work fitness program, google authenticatior, control music, and really thats about all. I will sometimes use voice text from my pebble and its nice to have for those rare times but not a must

  • Good_Ole_Pinocchio

    More appealing? If Apple has it and Samsung has it…Then It’s a mandatory, expected feature.

    As for mobile payments in general my phone is always in my hand ready to pay so the feature being in the watch doesn’t matter much to me, as far as appeal goes…..Since it should be mandatory anyway.

  • morteum

    I can’t understand why people care so much about nfc on watches. The ONLY scenario I can imagine it being useful is going out for a run or something without your phone and then wanting to buy a drink or whatever on the way. They haven’t developed enough to be a complete phone replacement, so assuming you have your phone you’re not really missing much other than moving your arm slightly less.

    • NexusMan

      No one is claiming it is a complete phone replacement. Just as, for me, a phone is not a complete computer replacement. It can be useful to have. I don’t use mobile payments all the time, but like you said if I’m working out, I may not want to bring my wallet. Also depending on what I’m wearing and when I’m going, it might be nice to not have to carry my wallet. Also, there may be times when I outright forget my wallet, or forget to bring a particular credit card or may just not want to carry around a particular credit card.

  • Alan Burnstine

    Seems too awkward to me. I would like my next watch to have LTE (but not badly enough that I am ready to replace my LG Urbane yet unless something much more compelling than what has been released so far this year comes along), but I don’t really care about mobile payment ability on the watch. I don’t actually really care about it on my phone either truth be told, so my opinion about it on a watch may not be too relevant.

  • Lunkman

    Nether my bank nor my Moto 360 (2nd Gen) support Android Pay…why do I stick with this OS again????

    (my bank supports Apple Pay)

  • Howard Stern ✓ᵛᵉʳᶦᶠᶦᵉᵈ

    that, better battery life and lower pricing appeals to me

  • Jeff “BIG RED”

    Guess it’s kinda cool that you don’t have to pull out your phone. So accustomed to pulling out my phone all the time. That really don’t think it matters.

  • It was the main reason I bought a Gear S3. Of course once you get a device that can make payments, you realize just how many places still aren’t compatible. I usually use my credit card at gas stations, car washes, mom and pop shops, etc. All of those require inserting your card, or the reader is attached to the cash register, so I can’t use mobile payments there.

  • J P

    Nope. I don’t see a watch, especially one with an LTE radio, as having a sufficient enough security management structure to justify payment use.

    • Current iterations require a PIN to unlock your device, then it uses the heart rate sensor to detect if you take it off your wrist, so someone can’t just steal your watch and make payments with it.

      • J P

        Right… But your pulse is just as detectable by the HRS as mine. This is too a too loosely controlled a threat vector for my taste.

        • It’s not identifying you as you specifically by using the heart rate sensor, it’s trusting you are you since you authenticate to the watch using a PIN you previously set. Then, the heart rate sensor only detects that it hasn’t been removed from your wrist. If I were to take your watch off and put it on me, it then requires the PIN to be re-entered.

          • CabbageHeadCat.

            So where is the pin being entered? On the terminal I assume? If so, the watch really only saves you about two seconds. Unless you can’t enter the pin on the watch, or worse enter it incorrectly.

          • You enter it on the watch. I haven’t used an Android Wear watch for payments, but on my Gear S3 when I put my watch on in the morning it needs to be unlocked to be used, so I tap the screen then enter my PIN and it’s unlocked until I take my watch off.

          • det_b

            You enter the PIN on the watch. You enter it ONE TIME. The watch is then unlocked until you remove the watch from your wrist, or you go to sleep.

          • moew

            In the security world, trust is exactly what we rely on /s

            I’m guessing you aren’t even making things PCI DSS compliant yet. That’s a good first step. Your posts are aggravating to the security community.

          • It’s enough security for the banks… What faults do you see with this implementation?

          • moew

            It’s enough for the banks to mitigate, aka cancel your card payment that is the root of the payment for any suspicious activity. Now the handling of the data on the devices are not in the accreditation boundary of the banks, so they will scrutinize these devices. Almost to where your devices logs are probably already going to 3rd party servers for full analysis.

          • Soooo what do you see as a problem with the current mobile payments on a watch? Regarding security?

          • moew

            Yes, they are a problem as I stated.

          • So what are they? Tell me what about mobile payments on watches is currently a security problem. How would someone make fraudulent charges on someone’s watch?

          • moew

            Well, I’m assuming that since payments fall into PCI DSS, that samsung pay needs to follow the rules.

            For example, how will they cope with mutlifactor authentication for a transaction when the 2018 rules hit in January? You have get a text every time? I doubt they even care about PCI DSS in any way, shape or form.

            Today, none of that exists in what you are asking for. Even outside of PEN testing, these things are in the wild with all kinds of connectivity. I don’t work the mobile space but these devices seem like an easy way for a bluetooth vulnerability to happen, and happen quickly.

            Just because you have a heartbeat off pin, doesn’t mean your data is safe. In fact, Samsung has been patching outside of PCI quarterly or sooner on A LOT of their devices. AKA they are taking their time with security patches, and when they patch, usually they are already 3 months behind. That in itself say a lot right there.

            That’s all I need to say, there’s a lot more. Enjoy your “secure” transactions in an unpatch, un(PCI)supported environment. If it is, I’d like to see their 3rd party certs from a major accounting firm.

            Good luck Geoff!

          • You didn’t give one example of how the current implementation is insecure today. I will continue doing so, thanks! I highly doubt two-factor authentication is going to be a thing with credit card transactions, hell lots of stores still haven’t adopted chip readers yet.

          • moew

            I’ve given several examples. You just wait until 2018 hits, I do hope the rules change.

          • You’re talking about things that apply to all mobile payments, or back end problems. I’m asking what is insecure that applies to the user, regarding smartwatch payments vs smartphone payments.

          • moew

            Exactly!

          • David Lo

            PCI DSS is a system implementation standard for merchants and institutions to securely process, transmit and store customer’s payment data. This doesn’t apply to the methods (application/card) that a payee chooses to use to make a payment. If that was the case, then all credit cards in U.S today will be considered not compliant because customer’s payment data are stored in clear text on the magnetic strip. At least with Samsung/Apple/Android pay, the only information that’s store on your phone is a token representing your real CC number, not your real CC number.

            Also PCI DSS is standard and not federal law. A few states have implemented laws that require businesses operating in their state to adhere to PCI DSS standard, but not on a national level.

          • David Lo

            PCI DSS is a system implementation standard for merchants and institutions to securely process, transmit and store customer’s payment data. This doesn’t apply to the methods (application/card) that a payee chooses to use to make a payment. If that was the case, then all credit cards in U.S today will be considered not compliant because customer’s payment data are stored in clear text on the magnetic strip. At least with Samsung/Apple/Android pay, the only payer information that’s store on your phone is a token representing your real CC number, not your real CC number.

            Also PCI DSS is not a federal law. A few states have implemented laws that require businesses operating in their state to adhere to PCI DSS standard, but not on a national level.

    • Cory S

      The watch doesn’t even have the credit card on it. it has a tokenized virtual card that has a limited number of uses. That combined with the PIN, and on body detection, make it far more secure than a physical credit card that can be stolen and used by anyone.

      • J P

        The payment subsystem is nearly identical to that of Android Pay, with some minor differences. I use Android Pay now, and I’m comfortable with it. I’m simply saying this seems less secure to me, and it wouldn’t be a “must have” in my next wearable. I’m using the LGWR now, and I don’t feel like AW2.0 on it will be lacking simply because I don’t have NFC and payments enabled.

  • Orlando aka Pixel XL

    Absolutely, I don’t even pull out my phone… Awesome feature

  • Sip

    Yes

    • Carolynrharris

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  • JSo

    First I need to feel that a smart watch in general is appealing. I haven’t felt that yet.

  • BobButtons

    To be honest it was really the only thing intriguing me about an AW watch. I really only care about easy access to notifications which is why I’ve been content with the much more affordable Martian Notifier with no desire to spend hundreds on a full fledged smartwatch. If I did, I’d think it’d have to have Android Pay to be worth it.. but after reading about it from other places where they said you have to launch the app first and it doesn’t always work correctly… I still see no reason for me to own a smart watch.

  • mcdonsco

    Not in the slightest. They make it more geeky though.

  • trevorsalienarms

    Nope. Next question?