The best apps and sites to invest in are worth more money than they are worth now, says a report.
In the case of Apple Pay, the average user now has to wait more than a month for a transaction to be confirmed.
There is also a delay before people can spend in-app money, which makes the process of paying with a credit card less efficient.
The report says that it’s too soon to predict how much money people will make by spending with their smartphones in the future.
While there is still much room for improvement, the report says Apple Pay could see a boost from its users in the short term, with many people likely to be able to buy things with the technology.
It says Apple will continue to increase its use of Apple Watch and Watch Sport to keep up with demand, as well as the iPhone.
However, it’s still not clear how Apple Pay will fare in the long run.