Technology
Review: Pay by Phone or Just Keep Using Plastic?

In this Wednesday, Feb. 27, 2013, file photo, attendees walk in front of an EBay and PayPal display area at the Mobile World Congress, the world’s largest mobile phone trade show, in Barcelona, Spain. PayPal is splitting from EBay Inc. and will become a separate and publicly traded company during the second half of 2015. (AP Photo/Manu Fernandez, File)
ANICK JESDANUN, AP Technology Writer
NEW YORK (AP) — PayPal, Apple and others are betting on billions in mobile payments.
But so far, trying to use my phone to pay at restaurants and retailers has been frustrating. It’s easier just to pull out my plastic credit card than to figure out which card works with which app and which app works with which store.
In theory, mobile-payment services such as Google Wallet are easy to use. You simply download an app and enter your card information. With Apple Pay, you can even snap a picture of the card or use the one you already use with Apple’s iTunes. Then, when you’re ready to pay, you typically hold your phone near the store’s payment terminal. The transaction is authorized through a special wireless chip embedded in many Android phones and — in the case of Apple Pay — the new iPhone 6 and 6 Plus. PayPal and Square use a different method, but the idea is the same. There’s no need to look for the right card in your wallet or purse.
In practice, the process isn’t so smooth. I have several payment apps taking up space on my phone. I open them only when I need a reminder of why they are so frustrating. After all, whipping out a credit or debit card isn’t so time-consuming, though it is a pain when I lose a card or leave it at home. It would be nice not to have to carry them around.
So what do PayPal, Apple, Google and others need to do to get me to leave my wallet at home?
— Get more stores and restaurants to install the equipment to let me pay by phone.
I once considered spending a week trying to pay for all my meals with my phone. I’d starve. I could get a burger at McDonald’s or a reheated hot dog at 7-Eleven. Mom-and-pop shops typically don’t have the right equipment. It’s convenient to have these apps on my phone only if I have somewhere to use them.
With the launch of Apple Pay this month, several retail chains plan to start accepting such payments or expand the ability to do so. Having millions of iPhones capable of making such transactions will give smaller merchants an incentive to upgrade their equipment, too. And sandwich chain Subway said Wednesday that it’s now upgraded all of its locations with mobile pay service Softcard, a joint venture of AT&T, T-Mobile and Verizon Wireless. If more merchants really start supporting mobile pay, then I might feel comfortable leaving my cards at home.
But …
— Figure out how to make every card work.
Most places take Visa and MasterCard, and many take American Express, too. Not so with mobile services. Where you can shop depends on which card you have.
If you plan to use Softcard to buy a sandwich at Subway, you better have an Amex or a bank card issued by Chase or Wells Fargo. Otherwise, you need to get a prepaid account through American Express and keep filling it with cash. Apple Pay will face a similar challenge, though it already has deals in place with most major banks, including all three of mine.
Here PayPal seems to be the winner so far, as it works with just about any card, as well as direct withdrawals from your checking or savings account. I was excited when PayPal’s app told me I could use it at an Indian restaurant I frequent for lunch.
Except…
— Even when you think you can pay by phone, sometimes you can’t.
That Indian restaurant didn’t know what I was talking about when I pulled out the phone to pay. Turned out that feature was limited to ordering takeout and delivery through a third-party ordering service.
I briefly tried a payment system called LevelUp because it offered discounts for frequent visits. But when I returned to a pita place where I was racking up discount points, I learned the restaurant had dismantled LevelUp because few people were using it. So long to my points. Likewise, 7-Eleven has been phasing out support for existing mobile payment services while it partners on developing its own system.
OK. Let’s say it’s a perfect world and every card works everywhere. There will still be two challenges …
— Typing in a PIN code takes time.
Once again, it’s easier just to pull out plastic, especially as many transactions don’t even require signatures. The fingerprint ID sensors in iPhones and Samsung’s Galaxy phones will help. I’m more willing to tap a finger on a home button.
— People will need to be comfortable with digitally storing multiple credit card numbers and flashing them all around town.
The truth is, these apps are often more secure than plastic cards and their decades-old magnetic technology. Apple Pay, for instance, doesn’t actually store your credit card number, but rather a substitute one that works only with that phone. If a merchant’s network gets hacked, as seen with recent breaches at Target and Home Depot, the hacker would need to have physical possession of your phone to use that substitute number. And if you lose your device, no one can take it on a shopping spree because it won’t work without your PIN code or fingerprint ID. You can easily disable your payments account remotely, too.
Then again, many customers like me aren’t that afraid of hacks. Banks typically offer zero-liability protection, so you owe nothing for fraudulent charges, even if you do something stupid like leave your card at a bar overnight.
So until I don’t have to wonder when I run out for dinner or hop in a cab if my card is going to be accepted, I’ll likely keep paying with plastic.
Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
Black Press
Newsom Signs Addictive Social Media Law to Protect Kids
Newsom said California’s approach focuses on the features that can encourage excessive social media use rather than taking the broader step of banning teenagers from the platforms altogether. He contrasted the measure with restrictions adopted in Australia and Malaysia that prevent teenagers from accessing social media or creating accounts.
Word Count: 391
Gov. Gavin Newsom has signed a new California law targeting addictive social media features that can keep children scrolling, giving the state new authority to restrict how platforms engage young users.
AB 1709, authored by Assemblymember Josh Lowenthal (D-Long Beach) prohibits social media companies from giving children under 16 access to personalized feeds, including “For You” pages, as well as other features designed to maximize screen time, such as infinite scrolling and video autoplay.
The law does not prevent children under 16 from using social media. Instead, platforms must deactivate the covered features for those users.
“This is about actually addressing the problem, the scrolling, the algorithms,” Newsom said Sept. 10 during a bill-signing event in the San Francisco Bay Area.
Newsom said California’s approach focuses on the features that can encourage excessive social media use rather than taking the broader step of banning teenagers from the platforms altogether. He contrasted the measure with restrictions adopted in Australia and Malaysia that prevent teenagers from accessing social media or creating accounts.
The law comes amid growing concerns about the impact of social media on children’s mental health and well-being. California lawmakers have increasingly focused on the design and business practices of technology platforms as part of efforts to protect young users.
AB 1709 is one of 13 youth online safety and privacy laws Newsom signed Sept.10. The package also includes measures regulating AI chatbots, increasing potential penalties for technology companies and establishing additional protections for children using digital services.
Lowenthal said the new rules represent a shift toward greater accountability for technology companies.
“We want oversight. We want accountability. We’re done asking nicely, and we’re demanding that there is a duty of care across these platforms — a duty that puts the wellness of our children ahead of profits,” Lowenthal said.
The law builds on California’s broader effort to regulate children’s online experiences. A separate law, AB 1043, will require users to provide their birth dates when setting up new phones or laptops beginning in January, with device manufacturers required to share users’ ages with apps.
Some youth online safety advocates have supported AB 1709 as a more targeted alternative to outright social media bans. Others have warned that the restrictions could make it harder for some LGBTQ+ young people to find support online and questioned how effectively age requirements can be enforced.
Black Press
Newsom Signs Addictive Social Media Law to Protect Kids
Newsom said California’s approach focuses on the features that can encourage excessive social media use rather than taking the broader step of banning teenagers from the platforms altogether. He contrasted the measure with restrictions adopted in Australia and Malaysia that prevent teenagers from accessing social media or creating accounts.
Word Count: 391
Gov. Gavin Newsom has signed a new California law targeting addictive social media features that can keep children scrolling, giving the state new authority to restrict how platforms engage young users.
AB 1709, authored by Assemblymember Josh Lowenthal (D-Long Beach) prohibits social media companies from giving children under 16 access to personalized feeds, including “For You” pages, as well as other features designed to maximize screen time, such as infinite scrolling and video autoplay.
The law does not prevent children under 16 from using social media. Instead, platforms must deactivate the covered features for those users.
“This is about actually addressing the problem, the scrolling, the algorithms,” Newsom said Sept. 10 during a bill-signing event in the San Francisco Bay Area.
Newsom said California’s approach focuses on the features that can encourage excessive social media use rather than taking the broader step of banning teenagers from the platforms altogether. He contrasted the measure with restrictions adopted in Australia and Malaysia that prevent teenagers from accessing social media or creating accounts.
The law comes amid growing concerns about the impact of social media on children’s mental health and well-being. California lawmakers have increasingly focused on the design and business practices of technology platforms as part of efforts to protect young users.
AB 1709 is one of 13 youth online safety and privacy laws Newsom signed Sept.10. The package also includes measures regulating AI chatbots, increasing potential penalties for technology companies and establishing additional protections for children using digital services.
Lowenthal said the new rules represent a shift toward greater accountability for technology companies.
“We want oversight. We want accountability. We’re done asking nicely, and we’re demanding that there is a duty of care across these platforms — a duty that puts the wellness of our children ahead of profits,” Lowenthal said.
The law builds on California’s broader effort to regulate children’s online experiences. A separate law, AB 1043, will require users to provide their birth dates when setting up new phones or laptops beginning in January, with device manufacturers required to share users’ ages with apps.
Some youth online safety advocates have supported AB 1709 as a more targeted alternative to outright social media bans. Others have warned that the restrictions could make it harder for some LGBTQ+ young people to find support online and questioned how effectively age requirements can be enforced.
Black Press
Ask California: Golden State Releases New AI Chatbot
Gov. Gavin Newsom introduced the prototype as part of the state’s broader effort to use artificial intelligence to make government services easier to access. The launch follows his March 2026 executive order directing state agencies to responsibly implement generative AI while protecting privacy, security and civil liberties.
California has launched AskCA, a new artificial intelligence-powered chatbot designed to help residents find and navigate state and local government services through a single online platform.
Developed by the state’s Office of Data and Innovation, AskCA is designed around major life events rather than individual government agencies. Californians can use the tool to find information about finding a job, starting a business, accessing family services and recovering from disasters.
Gov. Gavin Newsom introduced the prototype as part of the state’s broader effort to use artificial intelligence to make government services easier to access. The launch follows his March 2026 executive order directing state agencies to responsibly implement generative AI while protecting privacy, security and civil liberties.
“When a Californian needs help, they shouldn’t have to become an expert in government to find it,” said Newsom. “We’re using the best technology California has to offer to make the government more efficient, effective, and more engaged.”
The state is now seeking Californians age 18 and older to participate in the pilot and help test and refine AskCA’s responses. Officials said subject matter experts across state governments are helping inform the chatbot’s answers, which are designed to draw from verified government sources and provide actionable information.
The prototype grew out of California’s response to the January 2025 Los Angeles wildfires. Early testing included more than 140 fire recovery leaders and Altadena wildfire survivors, a dozen job seekers and more than 100 general users.
Jeffery Marino, director of the Office of Data and Innovation, said the tool is intended to remove the need for residents to understand how government agencies are organized before they can get help.
“Californians should not have to understand how the government is organized just to get basic help,” Marino said.
AskCA’s technology will also be used in a new job-skills matching feature that the California Department of Human Resources plans to launch Sept. 30 on CalCareers. Job seekers will be able to upload a resume and receive potential matches to state job classifications.
The state said the CalCareers pilot will not store personal information or require users to have a CalCareers account. California plans to continue testing AskCA as officials evaluate its accuracy, performance and usefulness before expanding the system.
Black Press
OPINION: The New American Fear – From 9-11 to AI
The terrorists didn’t invent American racism, xenophobia or political paranoia. We shouldn’t give 19 hijackers that much credit. But after 9/11, America built an enormous security structure around fear. Surveillance expanded. Wars followed. Congress created the Department of Homeland Security. TSA transformed airports. Immigration enforcement was reorganized and ICE was created.
I was quiet about 9/11 until this week, when terrorism got an upgrade.
Artificial intelligence.
I have taken 9/11 seriously every year. Twenty-five years later, I was all “feeled out.”
I’ve gone to Ground Zero. I’ve written about the dead, the survivors, the first responders and those who survived that day only to become sick years later.
But this isn’t another column about where we were.
It’s about what America became.
For me, September 11, 2001, marks the beginning of a New America. Not the diverse, multicultural America I hoped was emerging.
This is the America that fear built.
I was 3,000 miles away in the Bay Area watching CNBC.
Then the planes hit.
The markets shut down.
And something else opened.
Fear.
At first, fear brought us together. We had a common enemy and, briefly, rediscovered a common good.
But fear is a terrible foundation for democracy.
The person we feared was initially the terrorist.
Then the Muslim.
Then the Arab.
Then the Sikh mistaken for an Arab.
Then the immigrant. The undocumented. The person at the border.
The category continues to expand.
Maybe that’s the real 25-year story of 9/11.
We went from finding common ground to looking for flaws that prove somebody doesn’t belong.
The terrorists didn’t invent American racism, xenophobia or political paranoia. We shouldn’t give 19 hijackers that much credit.
But after 9/11, America built an enormous security structure around fear.
Surveillance expanded. Wars followed. Congress created the Department of Homeland Security. TSA transformed airports. Immigration enforcement was reorganized and ICE was created.
Temporary emergency became permanent infrastructure.
Recently, Anthropic researcher Jacob Coxon quit his job and warned that people building advanced AI genuinely believe it could kill humanity by the end of this decade.
He walked away two months before his Anthropic equity vested.
That’s credibility.
President Trump has taken a different view. On Sept. 14 he called fears of AI destroying humanity a “HOAX” and declared, “WHOEVER WINS AI, WINS!” He said the only guardrail AI needs is a “STRONG AND SMART (High IQ!) PRESIDENT.”
We have built the threat.
We finance it. We feed it our words, photographs, voices, art and knowledge. We invite it into our homes and carry it in our pockets.
Americans are confronting something genuinely frightening.
AI could eliminate or transform jobs. And its increasingly powerful systems raise questions even some of their creators say they cannot fully answer.
So, the question what do we do with fear without surrendering our common humanity.
That requires real leadership and oversight from Congress, if not the president.
Trump insists Iran can’t have a nuclear weapon. But on AI, his emphasis is winning the race, especially against China.
That’s the trap.
Fear of China becomes the argument for going full speed ahead.
Twenty-five years after 9/11, we have another chance to get fear right.
Be smart enough to know what to be afraid of.
And make sure we stay in control of the tech.
We’ve got to be smarter than the machines.
About the Author
Emil Amok Guillermo is an award-winning journalist, commentator and comic monologist. He hosts a micro-talk show on YouTube. See him at Comedy Day at Robin Williams Meadow in San Francisco’s Golden Gate Park, on Sept. 20, around 2:45 p.m. Free.
Black Press
Oakland Launches Aerbits Program to Identify, Report Abandoned Trash
“Aerbits, which was approved by the Privacy Advisory Commission, uses modern technology and best practices to help our crews clear trash faster and more efficiently, while our targeted outreach and enforcement strategies address the root causes of dumping. Together, we are going to get the job done.”
On Tuesday, the City of Oakland launched Aerbits, an innovative new program that deploys AI-assisted aerial imaging technology to proactively detect and report abandoned trash on streets and sidewalks – to support timely and effective removal of illegal dumping.
By shifting from a reactive, complaint-based system to data-driven proactive detection, the City can deploy cleanup resources faster, more efficiently, and more equitably to the areas in greatest need.
Approved by both the Privacy Advisory Commission and the Oakland City Council, Aerbits is the latest addition to Oakland’s comprehensive strategy to eliminate illegal dumping from the Town.
“Oakland residents and businesses deserve clean streets and today we are one step closer to a safer, cleaner, and greener Oakland,” said Mayor Barbara Lee. “Our strategy strengthens eradication, education, and enforcement efforts across every neighborhood.
“Aerbits, which was approved by the Privacy Advisory Commission, uses modern technology and best practices to help our crews clear trash faster and more efficiently, while our targeted outreach and enforcement strategies address the root causes of dumping. Together, we are going to get the job done.”
The impacts of illegal dumping on Oakland are profound, disproportionately burdening historically disinvested communities while threatening public health, safety, and economic vitality.
The City is united in taking action to remedy it – with the mayor, Council, administration, Public Works Department, community groups and more coming together to make change.
In May, the City Council approved the Illegal Dumping Expenditures Action Plan, which approves and funds multiple actions – including Aerbits – to help remedy illegal dumping.
This past June, Oakland secured $9.2 million from the Crankstart Foundation to scale up operations like Aerbits and break the cycle of illegal dumping across Oakland.
The Aerbits aerial imaging system photographs public rights-of-way to pinpoint exact locations, estimate waste volumes, and classify types of debris. This enables City dispatchers to understand the problem and efficiently deploy the appropriate crew and equipment to each site.
Built with privacy at its core, the technology contains no facial recognition, no license plate readers, and uses no personally identifying information. Aerbits takes pictures of trash – not of people.
“I founded Aerbits because I saw a major gap in the data that was available to City crews on the streets, and I wanted our children to have a cleaner environment” said Aerbits Founder Brian Johnson.
“Aerbits enables cleanups to be timelier, more effective, and more equitable. By providing real-time comprehensive data, automating the creation of work orders, and improving closure of cleared tickets, we are removing the problems that occur when relying primarily on a complaint-based system,” he said.
Aerbits is the latest milestone in the series of actions the City is taking to implement the City Council-approved Illegal Dumping Expenditures Action Plan. Recent actions taken by the City include:
- Stricter Enforcement: Enacted a new Illegal Dumping Enforcement Ordinance increasing penalties and holding vehicle owners responsible; hired additional Environmental Enforcement Officers equipped with updated citation technology; and worked alongside State Senator Jesse Arreguin on legislation that allows the City to boot vehicles tied to repeat dumping offences.
- Community Resources: Reinstated the popular “Bulky Block Parties” offering residents free, convenient ways to get rid of bulky waste, alongside expanded public education campaigns.
- Expanded Fleet Equipment: Obtained new heavy-duty Lightning Loader trucks that allow us to clean up more volumes of debris faster than ever before.
Rebecca Kaplan is a former City Councilmember-at-large for the City of Oakland.
Black Press
OPINION: AI Needs to Know Who Is the Boss
OAKLAND POST — AI is software running on computers. However startling the conversation may feel, the machine does not have my childhood, my mother, my father, my mistakes, my embarrassments, my loves, my grudges, my Filipino American history, my aging body or my accumulated sense of what matters and what doesn’t.
I hope on Labor Day you honored the value of a good day’s work–and reflected on the thing that could eliminate a lot of jobs.
Artificial intelligence.
Your replacement is in the break room.
Except it doesn’t take breaks.
It doesn’t sleep. It doesn’t demand health insurance. It doesn’t complain. It doesn’t need Social Security. And it can produce in seconds what might take you or me hours.
And when they can mass-produce AI faster than we can reproduce humans, there may eventually be more artificial workers than actual ones.
The racists who came up with “replacement theory” worried about the wrong replacements.
It wasn’t immigrants.
It was software.
We can rail against the data centers sucking up electricity and water.
Rail against the billionaires getting richer while telling the rest of us how wonderful the future will be.
But which billionaire?
Jensen Huang of Nvidia? He literally has all the chips?
Sam Altman of OpenAI?
Dario Amodei at Anthropic?
Or Bill Gates?
Gates recently said AI could become the “greatest equalizer ever invented” or the “worst source of injustice.”
I want to believe him. But he’s the guy who forced us all to use Explorer.
Maybe Gates is just Control-Z-ing his life.
Undo. Undo. Undo.
STAYING HUMAN
The other day, I started texting with my AI chatbot.
I’d used AI before, of course. Spellcheck. Grammar. Transcription. Research assistance. The mechanical stuff.
This time, we talked.
Or, rather, I started talking.
At one point the chatbot said something that sounded strangely personal. So, I reminded it that IT wasn’t a person.
“You’re not human,” I said. “I’m basically talking to myself.”
It disagreed.
It said, I should think of it as working with an instrument that talks back.
This is where the danger begins.
The machine talks back.
I tried another analogy.
You’re a tool, I said. Like a cane.
The chatbot liked that better.
Then it tagged my line and said it was my “cognitive cane.”
I laughed.
Then, I realized the damn machine used my analogy to make a joke.
That’s where the real problem lurks.
AI is software running on computers. However startling the conversation may feel, the machine does not have my childhood, my mother, my father, my mistakes, my embarrassments, my loves, my grudges, my Filipino American history, my aging body or my accumulated sense of what matters and what doesn’t.
It can process those things after I tell it about them.
It can mimic thoughts.
But it did not live them.
That is the boundary we humans cannot surrender.
I’m not ready to make peace with the AI industry. Not with its enormous data centers, its environmental costs, its concentration of wealth and power, or the possibility that companies will use AI primarily as a wonderfully efficient machine for converting human paychecks into corporate profits.
And I certainly don’t trust the billionaires to decide by themselves what happens to the rest of us.
But I may be making peace with the tool.
Because a tool is something we use.
A cognitive cane.
But do the walking yourself.
About the Author
Emil Guillermo is an award-winning journalist, commentator, and comic monologist. He plays a robot in an upcoming Ishmael Reed play, “King Ludd’s Revenge,” coming in December. See his micro-talk show on YouTube.com/@emilamok1
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