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for purchases with electronic gadgets.
The Apple iPhone6 and Apple Watch promise consumers a more secure way to make card payments at checkout registers. It also is expected to make credit-card and debit-card transactions faster and easier for shoppers at bricks-and-mortar stores and when making online purchases.
That, said industry executives, should lead to more payments taking place over electronic networks, and fewer cash transactions.
'If paying by phone is easier for the consumer, it is first and foremost likely to displace cash,' said Jud Linville, who runs Citigroup Inc. 's credit-card business.
Card issuers will pay Apple a small per-transaction fee to participate in Apple Pay, which means they would make less money than they would with a regular swipe at the cash register, according to people familiar with the arrangement. The companies are betting that they will more than make up that cost as the volume of electronic payments increases, these people said.
But the credit-card industry has jumped on technologies that have fizzled in the past. What's more, the Apple gadgets will work only in stores where merchants have upgraded their equipment to accept the technology.
While credit and debit cards represent more than half of the purchases made for retail goods and services in the U.S., cash continues to dominate in small transactions. A recent consumer survey conducted by the Federal Reserve found that cash represented 66% of transactions under $10 and 58% of transactions under $25. When the transaction was more than $50, cash was used in less than 20% of the payments.
The idea of paying for small purchases with a phone may be a tough sell for people like iPhone user Alfred J. Zera who aren't ready to give up a stash of cash.
Mr. Zera, a 36-year-old plumber from New York City, is looking forward to upgrading to the new iPhone and thinks he would likely use the payment feature instead of his credit card. But when it comes to small items, 'I'm a big cash guy,' he said.

Srimad Bhagavatam in Telugu

The Bhagavata Purana, like other puranas, discusses a wide range of topics including cosmology, genealogy, geography, mythology, legend, music, dance, yoga and culture.As it begins, the forces of evil have won a war between the benevolent devas (deities) and evil asuras (demons) and now rule the universe.Truth re-emerges as Krishna.first makes peace with the demons, understands them and then creatively defeats the